Implementasi Praktik Akad Mudharabah Pada Cabang Bank Muamalat Di Gorontalo

Abstract

This study aims to analyze the implementation of mudharabah contracts in savings and deposit products at Bank Muamalat Gorontalo Branch and to identify the obstacles affecting their implementation. This research employed a qualitative method with a descriptive approach. Data were collected through observation, interviews, and documentation. The informants consisted of management and staff members involved in the administration of mudharabah products. The findings indicate that the implementation of mudharabah contracts in savings and deposit products has been conducted in accordance with Islamic principles through a profit-sharing mechanism based on an agreed profit-sharing ratio (nisbah). However, several internal and external challenges remain. Internal challenges include the low proportion of mudharabah financing, high financing risks, and substantial monitoring costs. External challenges involve limited public literacy regarding profit-sharing mechanisms, misconceptions about mudharabah risks, and customers’ preference for wadiah contracts. The study concludes that improving Islamic financial literacy and strengthening public education strategies are essential to optimize the implementation of mudharabah contracts at Bank Muamalat Gorontalo Branch.