IMPLEMENTASI PEMBIAYAAN SYARIAH MELALUI AKAD MUSYARAKAH DAN MUDHARABAH PADA FINANCIAL TECHNOLOGY SYARIAH

Technological advances have brought many changes, including a change in financial technology (Fintech) to make it easier for people to access financial services. This study aims to elaborate on the implementation of musyarakah and mudharabah contracts at PT. Alami Fintek Sharia and to analyse the uniqueness of its operations compared to other fintech. This study uses a qualitative approach with primary data collected through in-depth interviews with the managers of PT. Alami Fintek Sharia. The collected data were then arranged thematically based on the information obtained and analysed using an interactive model from Miles and Huberman, which included data reduction, data presentation and conclusion. The results of this study indicate that PT. Alami Fintek Sharia has 3 financing products: invoice financing, purchase order financing, and ecosystem financing. These three financing products apply various contracts, especially musyarakah and mudharabah contracts. Ecosystem financing is the financing that is most in demand by the public, and this financing is aimed at empowering SMEs, SMEs, farmers and breeders. The uniqueness of the musyarakah contract is that it is implemented according to the rules so that there is openness between the financing provider and the recipient.