Implementasi Bagi Hasil Atas Pembiayaan Sesuai Ekonomi Islam di BMT Usaha Artha Sejahtera Pamoton

Economic activity based on profit sharing in the secondary sector, especially the manufacturing industry, cannot be separated from the existence of a financial institution. This is usually in the form of a financial institution based on the sharia aspect by using a profit-sharing mechanism as a substitute for bank interest instruments. The availability of funds in financial institutions will of course be channeled to customers who need funds in the hope of obtaining collections to cover the operations of the institution. The objectives of the research are as follows: a) To find out how to apply profit sharing for the financing provided to customers; b) To find out the procedure for obtaining funds for financing carried out by customers; c) To find out the constraints in profit sharing on the financing disbursed by BMT. The approach method used in this research is the normative method. The nature of the research of this thesis is descriptive, namely a research that is intended, namely profit sharing on financing according to Islamic economics at BMT UAS Pamotan.The results of the research obtained are the facts that affect the determination of the profit sharing ratio at BMT UAS Pamotan, among others, as follows; a) comparison assumptions; b) market interests; c) taking into account the interest charges provided by the customer; d) the distribution of the ratio of members is preferred due to owning a business. The stages in conducting mudharabah transactions that must be carried out before giving funds are handed over to customers, including: First, conducting a survey on financing. Second, BMT UAS Pamotan analyzes the results of the financing survey. Third, information on decisions on the realization of financing applications. Fourth, the process of disbursement of financing by the head of the branch. Fifth, business maintenance and financing refunds are carried out by BMT UAS. Often the problems that arise are dishonest prospective members who use the financing funds from the BMT and default. The resolution of the problems carried out in the financing of the financing agreement include the following: First, rescheduling. Second, the requirements for return (reconditioning). Third, restructuring (restructuring). Fourth, a combination of rescheduling rescheduling and restructuring where this method is taken by BMT UAS Pamotan. Fifth, confiscation of collateral