{"id":360,"date":"2021-02-05T13:20:09","date_gmt":"2021-02-05T06:20:09","guid":{"rendered":"https:\/\/bmtalikhwan.com\/home\/bmt\/?p=360"},"modified":"2021-02-08T13:01:36","modified_gmt":"2021-02-08T06:01:36","slug":"skema-kerjasama-bagi-hasil","status":"publish","type":"post","link":"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-kerjasama-bagi-hasil\/","title":{"rendered":"Skema Kerjasama Bagi Hasil"},"content":{"rendered":"<p>Kerjasama bagi hasil dalam istilah fikih mu\u2019amalah disebut dengan <em>syirkah.<\/em> Secara bahasa\u00a0<em>syirkah<\/em> berasal\u00a0dari bahasa arab yang artinya \u201cbersekutu atau berserikat\u201d. <em>S<\/em><em>yirkah<\/em>\u00a0berarti percampuran atau persekutuan dua hal atau lebih, sehingga antara masing-masing sulit dibedakan. Seperti persekutuan hak milik atau perserikatan usaha.<!--more--><\/p>\n<p>Untuk melakukan\u00a0 perseketuan, terlebih dahulu dilakukan akad <em>musyarokah.<\/em> BMT Al-Ikhwan melayani akan <em>musyarakah<\/em> ini sebagai suatu fasilitas pembiayaan yang \u00a0digunakan untuk membiayai suatu proyek yang akan dikerjakan oleh anggota BMT Al Ikhwan.<\/p>\n<p>Akad <em>musyarakah<\/em> ini \u00a0merupakan akad kerja sama antara dua pihak atau lebih untuk suatu usaha tertentu dimana masing-masing pihak memberikan kontribusi modal dengan kesepakatan bahwa keuntungan dan resiko akan ditanggung bersama, sesuai dengan porsi kontribusi modal atau sesuai kesepakatan.<\/p>\n<p>Adapun skema akad <em>Musyarakah<\/em> di BMT Al Ikhwan dapat digambarkan sebagai berikut :<\/p>\n<p>Anggota BMT Al Ikhwan mendapat kontrak pekerjaan (proyek). Untuk melaksanakan proyek tersebut dibutuhkan sejumlah modal. Anggota kemudian mengajukan permohonan kerjasama \u00a0\u00a0kepada BMT Al Ikhwan \u00a0yang \u00a0disertai dengan SPK dan RAB proyek. Setelah pengajuan dana \u00a0disetujui dan <strong><em>nisbah bagih hasil <\/em><\/strong>disepakati, kemudian BMT dan anggota menandatangani akad kerja sama <em>musyarakah<\/em> yang diikuti dengan penyerahan dana dari BMT kepada anggota. Setelah itu, anggota mengerjakan proyek sampai tuntas hingga mendapatkan pembayaran sesuai kontrak antara anggota dengan pemberi proyek. Keuntungan dari proyek tersebut dibagi sesuai <em>nisbah<\/em>\u00a0 (proporsi) bagi hasil yang telah disepakati.<\/p>\n<p><a href=\"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-kerjasama-bagi-hasil\/whatsapp-image-2021-02-08-at-12-34-50\/\" rel=\"attachment wp-att-363\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-363\" src=\"https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/WhatsApp-Image-2021-02-08-at-12.34.50-1024x781.jpeg\" alt=\"\" width=\"1024\" height=\"781\" srcset=\"https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/WhatsApp-Image-2021-02-08-at-12.34.50-1024x781.jpeg 1024w, https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/WhatsApp-Image-2021-02-08-at-12.34.50-980x747.jpeg 980w, https:\/\/bmtalikhwan.com\/home\/bmt\/wp-content\/uploads\/sites\/2\/2021\/02\/WhatsApp-Image-2021-02-08-at-12.34.50-480x366.jpeg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kerjasama bagi hasil dalam istilah fikih mu\u2019amalah disebut dengan syirkah. Secara bahasa\u00a0syirkah berasal\u00a0dari bahasa arab yang artinya \u201cbersekutu atau berserikat\u201d. Syirkah\u00a0berarti percampuran atau persekutuan dua hal atau lebih, sehingga antara masing-masing sulit dibedakan. Seperti persekutuan hak milik atau perserikatan usaha.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-360","post","type-post","status-publish","format-standard","hentry","category-akad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Skema Kerjasama Bagi Hasil - KSPPS BMT AL IKHWAN %<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bmtalikhwan.com\/home\/bmt\/2021\/02\/skema-kerjasama-bagi-hasil\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Skema Kerjasama Bagi Hasil - KSPPS BMT AL IKHWAN %\" \/>\n<meta property=\"og:description\" content=\"Kerjasama bagi hasil dalam istilah fikih mu\u2019amalah disebut dengan syirkah. 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