Optimizing Mudharabah Contracts in Strengthening Sharia-Based Micro-Business Capital in Martapura City
Keywords:
Islamic Economics, Micro Enterprises, MudharabahAbstract
The implementation of Mudharabah contracts in Islamic microfinance institutions has long been upheld as a distinctive feature of Islamic economic principles. However, its practical application remains limited, especially in the context of micro-enterprise financing. This study aims to identify how Mudharabah is implemented by Islamic financing institutions in Martapura, analyze the challenges in its optimization for micro-enterprise capital strengthening, and propose strategic solutions aligned with Islamic economic values. Using a qualitative descriptive approach with case study design, data were collected through in-depth interviews with micro-entrepreneurs and financial institution representatives, as well as observations at key market centers and documentation analysis from relevant institutions. The findings reveal that the understanding of Mudharabah among micro-entrepreneurs is generally low, with many perceiving it as more complex and rigid than conventional loan systems. Financial institutions show a tendency to avoid Mudharabah due to high risk, lack of monitoring systems, and limited human resources. Observations further indicate a lack of promotion and mentoring in Mudharabah financing, while documentation shows a declining trend in its use. These results highlight a significant gap between the theoretical ideals of Mudharabah and its field-level implementation. The study underscores the urgent need for educational, institutional, and policy-level interventions to revitalize Mudharabah as a viable and ethical financing model, thereby reaffirming the transformative role of Islamic finance in empowering micro-enterprises
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