Strategi Penerapan Akad Musyarakah Pada Produk Pembiayaan Di Kspps Aims Kc. Dukupuntang

Abstract

KSPPS AIMS KC. Dukuntang is an institution engaged in Islamic financial services. The purpose of this study is to increase member interest in Musyarakah contract financing products, to determine the application of Musyarakah contract financing products through SWOT analysis and to optimize the strategies implemented in increasing member interest. The method used is Mix Methods. This research was conducted by collecting data from interviews and questionnaires with a population of 9 samples, the data used in the form of primary and secondary data that can strengthen the results of the study, then processing the data obtained from the SWOT matrix method and the Internal-External matrix. From the results of the study, it was found that the constraints faced by Musyarakah contract financing products were the lack of understanding of the Musyarakah contract, complicated administrative processes, financial reports, business ethics and member loyalty. Then seen from internal and external factors that KSPPS AIMS KC. Dukuntang is in a very advantageous position because it has strengths and opportunities that can be utilized to the fullest. Furthermore, the position of the company KSPPS AIMS KC. Dukuntang is in quadrant I, meaning it can use aggressively by using factors from Strength-Opportunity (S- O) as its business development and implementation strategy.