Praktik Pembiayaan Akad Mudharabah- Short movies Manajemen Perbankan Syariah

Summary

A couple running a small photocopy business faces financial challenges as they seek to expand by adding new equipment. After considering several loan options, they opt for a syariah-compliant loan, which avoids interest payments. With the help of a bank offering profit-sharing instead of interest, they secure a loan to purchase a new photocopy machine and computer. Their business flourishes with the new equipment, attracting more customers and improving their service. This story highlights the importance of ethical financing and how it can support small business growth.

Takeaways

• 😀 The couple is running a photocopying business and seeks additional capital to upgrade equipment and expand operations.
• 😀 They discuss various financing options, including loans with 0% interest offers from platforms like Kredivo and Shopee.
• 😀 The husband and wife decide to avoid loans with interest (riba) and instead opt for a Shariah-compliant financing solution.
• 😀 Shariah-compliant financing is explained as a form of financing where profits are based on shared risk and reward, rather than charging interest.
• 😀 The couple consults with a neighbor (Pak Haji) who recommends applying for a loan from a bank offering Shariah-compliant products.
• 😀 The bank requires several documents to process the loan, including a business license, KTP (ID), family card, and financial reports.
• 😀 A bank representative conducts a survey of the couple’s business location to ensure it meets the requirements for financing.
• 😀 The loan is approved, and the couple is informed that the repayment will be based on a profit-sharing model rather than fixed interest.
• 😀 The couple receives the necessary funds (35 million IDR), which they use to purchase new photocopying machines and computers.
• 😀 The upgrade of the equipment leads to an increase in business volume, with more customers visiting the store and greater satisfaction with services.

Q & A

What is the main business of Bapak Agung and Ibu Miftah?

Bapak Agung and Ibu Miftah run a photocopying business, which involves providing services like photocopying, printing, and other related tasks.

Why do Bapak Agung and Ibu Miftah need additional capital?

They need additional capital to purchase new equipment, specifically a photocopy machine and computers, in order to improve their business operations and meet customer demands.

What financing option do they consider to expand their business?

They consider applying for a loan from a syariah bank, which offers a profit-sharing system instead of charging interest, aligning with their preference to avoid riba (usury).

Why do they choose a syariah bank over a conventional bank?

They choose a syariah bank because it operates on a profit-sharing model rather than charging interest, which aligns with their Islamic values of avoiding riba.

What is the difference between a syariah bank and a conventional bank according to the conversation?

A syariah bank does not charge interest but instead uses profit-sharing agreements. In contrast, a conventional bank requires customers to pay interest periodically, which can cause financial strain.

What documents do Bapak Agung and Ibu Miftah need to provide to apply for the loan?

They need to provide copies of their KTP (identification cards), family card, business permit, and financial reports for the past two years.

What is the process of applying for the loan at the syariah bank?

The process includes submitting necessary documents, undergoing a site visit by the bank representative to verify the business location, and agreeing on the terms of the loan before the final approval.

How does the bank determine the loan repayment terms?

The repayment terms are agreed upon between the customer and the bank based on the business's financial performance, and payments are made in profit-sharing installments, rather than fixed interest rates.

How does Bapak Agung feel after the loan approval?

Bapak Agung is relieved and happy after the loan is approved, as it will allow them to purchase the necessary equipment and expand their business.

What impact does the new equipment have on their business?

The new equipment, including the photocopy machine and computers, leads to an increase in customers and improvements in their business operations, ultimately making their shop busier and more efficient.