KONSEP AKAD MUDHARABAH LINKAGE PROGRAM PADA LEMBAGA KEUANGAN SYARIAH

Abstract

Mudharabah contract is  not only used by bank and non-bank financial institution to customer, but also used  by commercial bank to microfinance institution  with cooperation  namely linkage program.  Purpose of this research is to explain the islamic linkage program. Islamic linkage program is similar with conventional linkage program, the difference is the contract. In islamic linkage program, executing uses mudharabah contract, channeling uses wakalah contract, and  joint financing uses musyarakah contract. This research  focuses on discuss about mudharabah contract because the majority of islamic banking  are use the mudharabah contract to channel their funds to microfinance institution.