Analisis Hukum Syariah Terhadap Mekanisme Pembiayaan Mudharabah dalam Lembaga Keuangan Syariah

Abstract

Mudharabah financing is one of the main instruments in Islamic financial institutions that emphasizes the principle of profit sharing in accordance with Islamic law. This study aims to analyze the mechanism of mudharabah financing from the perspective of Islamic law, particularly in the context of its implementation in Islamic financial institutions. The research method used is a literature review with a qualitative approach, examining primary sources such as the Qur'an, Hadith, and fatwas from scholars, as well as secondary sources such as books, journals, and relevant regulations. The results show that although mudharabah conceptually complies with Islamic principles, there are several challenges in its practice, such as information asymmetry, moral hazard, and ambiguity in profit distribution. Additionally, this study identifies the need for strengthening regulations and sharia oversight to ensure compliance with Islamic principles. Therefore, this article provides recommendations for Islamic financial institutions and regulators to improve the mudharabah financing mechanism to make it more fair, transparent, and aligned with maqashid al-shariah (the objectives of Islamic law).