Problem Dan Upaya Pemberdayaan Mudarabah Untuk Meningkatkan Pengembangan Sektor Usaha Mikro Di Wilayah Eks Karesidenan Kediri

Abstract

This study aims to examine more closely the problem of mudarabah in Islamic financial institutions, and then create patterns of empowerment so that this mudarabah model truly finds its noble identity as an Islamic financial cooperation system that provides increased welfare for the weak. The research used is field research and the type of qualitative research. The research location is the ex-residence of Kediri. The research subjects are the managers of Islamic financial institutions. Sampling using purposive sampling method. Data obtained from observations, documentation and in-depth interviews with informants. The results of the study indicate that the problems that arise from these policies are resolved in different ways according to the policies of the financial institutions themselves. Then, for empowerment, it is necessary to pay attention to the following things: (a) modifying mudarabah as needed, (b) oriented to ease and flexibility, (c) oriented to empowerment not profit, (d) being aggressive and picking up the ball, (e) doing classification of the economic level of prospective customers, (f) carrying out intensive assistance, (g) seeking funds from the government's microcredit program, and (h) trying to establish a deposit insurance institution.