Implementasi Sistem Produk Pembiayaan Muḍârabah: Studi Faktor Turunnya Profit di Bank Muamalat Jember

The practice of islamic banking has been known since the time of prophet muhammad, along with his companions, because there are institutions that carry out the main functions of banking operations, which are receiving money, lending money, delivery or transfer service. This muḍârabah financing product, is expected to be a superior product of Bank Muamalat Indonesia of Jember or  at generalit bank islam. The study used a qualitative approach with focus; 1) what is the system implementation of muḍârabah financing product at bank mu'amalat indonesia jember branch?, 2) what are the factors cause the decrease of profit in muḍârabah financing product at bank muamalat Indonesia Jember branch? The results of the research found four factors causing the decline in profit at Bank muamalat Indonesia Jember.