Articles

An Islamic Economic Law Analysis of the Mudharabah Muqayyadah Contract at Toko Madura Riska in Jakarta

Siti Maisun, Mohammad Mahmudi

View Author Affiliations
  • Siti Maisun: STAI Al Mujtama Pamekasan, Indonesia
  • Mohammad Mahmudi: STAI Al Mujtama Pamekasan, Indonesia
Published:
June 28, 2026
Pages:
892-898

Views

21

Views

Downloads

8

Downloads

Article Metrics


Share Article:

Abstract

This study examines the implementation of the mudharabah muqayyadah contract at Toko Madura Riska in Jakarta from the perspective of Islamic Economic Law. The research aims to analyze the practice of the contract and assess its compliance with Sharia principles. This study employed a qualitative method with an empirical juridical approach. Data were collected through interviews, observations, and documentation involving the capital owner and the business manager. The findings show that the partnership is conducted between a capital owner and a business manager with a capital investment of IDR 85,000,000. Profits are shared equally (50:50) and distributed monthly. The practice has fulfilled several essential elements of a mudharabah muqayyadah contract, including the existence of contracting parties, clear capital, and an agreed profit-sharing ratio. However, the contract is conducted orally without written documentation, and business losses are borne by the manager regardless of negligence. These practices are not fully consistent with the principles of Islamic Economic Law. Therefore, the implementation of the mudharabah muqayyadah contract at Toko Madura Riska can be categorized as partially compliant with Sharia principles and requires greater contractual clarity and transparency.

Author Biographies
Siti Maisun

STAI Al Mujtama Pamekasan

Sharia Economic Law Study Program, STAI Al Mujtama Pamekasan, Pamekasan Regency, East Java Province, Indonesia.

Mohammad Mahmudi

STAI Al Mujtama Pamekasan

Sharia Economic Law Study Program, STAI Al Mujtama Pamekasan, Pamekasan Regency, East Java Province, Indonesia.

Article Identifiers
  • Article Title: An Islamic Economic Law Analysis of the Mudharabah Muqayyadah Contract at Toko Madura Riska in Jakarta
  • DOI: 10.59431/ijer.v6i2.858
  • Publication Date: 2026-06-28
  • Journal: Indonesian Journal Economic Review (IJER)
  • Volume: 6
  • Issue: 2
  • Pages: 892-898
References
  • Aini, N. (2022). Pengembangan usaha mikro berbasis kemitraan dan ekonomi masyarakat. Surabaya: Airlangga University Press. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Alfiani, F. N., & Widad, R. (2025). Optimalisasi implementasi akad mudharabah dalam sistem bagi hasil untuk meningkatkan pendapatan di toko kelontong Madura: Studi kasus pada Toko Bintang Tsurayyah Jombang. Sibatik Journal: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan, 4(6), 775–788. https://doi.org/10.54443/sibatik.v4i6.2814. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Jakarta: Gema Insani Press. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Ascarya. (2013). Akad dan produk bank syariah. Jakarta: Rajawali Pers. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Barakah, N. M. (2021). Pengaruh peran pembiayaan mudharabah terhadap perkembangan usaha mikro kecil menengah (UMKM) di BNI Syariah Cabang Medan. Mutlaqah: Jurnal Kajian Ekonomi Syariah, 2(1), 1–14. https://doi.org/10.30743/mutlaqah.v2i1.4031 Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Dewan Syariah Nasional Majelis Ulama Indonesia. (2000). Fatwa Dewan Syariah Nasional Nomor 07/DSN-MUI/IV/2000 tentang Pembiayaan Mudharabah (Qiradh). Jakarta: DSN-MUI. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Dewi, E. K., & Astari, A. (2018). Peran pembiayaan mudharabah dalam pengembangan kinerja usaha mikro pada BMT (Baitul Maal wat Tamwil). Law and Justice, 2(2), 113–123. https://doi.org/10.23917/laj.v2i2.5142. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Djuwaini, D. (2008). Pengantar fiqh muamalah. Yogyakarta: Pustaka Pelajar. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Fadilah, N., & Sholihin, A. (2024). Implementasi mudharabah dalam pengelolaan UMKM ritel kontemporer. Nuansa Akademik: Jurnal Pembangunan Masyarakat, 9(1), 45–58. https://doi.org/10.47200/jnajpm.v9i1.2114. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Haroen, N. (2007). Fiqh muamalah. Jakarta: Gaya Media Pratama. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Ismail. (2017). Perbankan syariah. Jakarta: Kencana. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Karim, A. A. (2016). Bank Islam: Analisis fiqh dan keuangan (5th ed.). Jakarta: RajaGrafindo Persada. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Kurnia, K., Ridwan, A. H., & Dzikrayah, F. (2023). Pembiayaan mudharabah bagi UMKM di Baitul Maal Wa Tamwil (BMT). Likuid: Jurnal Ekonomi Industri Halal, 3(2), 56–65. https://doi.org/10.15575/likuid.v3i2.25174. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Mahkamah Agung Republik Indonesia. (2008). Kompilasi Hukum Ekonomi Syariah (KHES). Jakarta: Mahkamah Agung RI. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Mardani. (2012). Fiqh muamalah syariah dalam praktik hukum nasional. Jakarta: Kencana. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Muhzinat, Z., & Achiria, S. (2019). Dampak keberadaan minimarket terhadap toko kelontong di Pasar Klampis Kabupaten Bangkalan Madura. Iqtishadia: Jurnal Ekonomi & Perbankan Syariah, 6(2), 203–211. https://doi.org/10.19105/iqtishadia.v6i2.2520. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Muslich, A. W. (2017). Fiqh muamalah. Jakarta: Amzah. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Prasetyo, H. (2021). Dinamika usaha ritel lokal dalam mendukung ekonomi masyarakat perkotaan. Jurnal Ekonomi dan Bisnis Indonesia, 16(2), 121–134. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Putri, R., & Utami, C. (2024). Pengaruh pembiayaan mudharabah terhadap peningkatan pendapatan usaha mikro, kecil dan menengah (UMKM) nasabah BPRS Bhakti Sumekar Kantor Pusat Sumenep. Citaconomia: Economic and Business Studies, 3(1), 18–25. https://doi.org/10.63922/citaconomia.v3i01.464. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Rosanti, M. (2023). Penerapan sistem mudharabah pada usaha dagang Warung Madura dalam meningkatkan perekonomian (Undergraduate thesis, Universitas Nurul Jadid). http://repository.unuja.ac.id/id/eprint/3914. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Rozalinda. (2017). Fikih ekonomi syariah: Prinsip dan implementasinya pada sektor keuangan syariah. Jakarta: RajaGrafindo Persada. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Soemitra, A. (2017). Bank dan lembaga keuangan syariah. Jakarta: Kencana. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Sudarsono, H. (2015). Bank dan lembaga keuangan syariah: Deskripsi dan ilustrasi. Yogyakarta: Ekonisia. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Suhendi, H. (2019). Fiqh muamalah. Jakarta: RajaGrafindo Persada. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Syarvina, W. (2021). Penerapan akad mudharabah muqayyadah pada bank syariah di Indonesia. Studia Economica: Jurnal Ekonomi Islam, 7(1), 21–34. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Tambunan, T. (2017). Usaha mikro, kecil, dan menengah di Indonesia: Isu-isu penting. Jakarta: LP3ES. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Tumanggor, M. S., et al. (2025). Konsep mudharabah dalam sistem keuangan Islam: Analisis fiqh dan praktik pembiayaan. Jurmie: Jurnal Riset Multidisiplin Edukasi, 1(2), 76–86. https://doi.org/10.71282/jurmie.v1i2.15. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers
  • Widianita, R., Ilhamiwati, M., & Hidayat, F. (2023). Analisis permintaan uang perspektif Islam di Indonesia. At-Tawassuth: Jurnal Ekonomi Islam, 8(1), 1–18. Google Scholar Scite Semantic Scholar Scilit Crossref Connected Papers

Issue Information

Article Details

Volume: 6
Issue: 2
Year: 2026
Published: 2026-06-28
Pages: 892-898
Section: Articles
View Full Issue
Additional Information

How to Cite

Maisun, S., & Mahmudi, M. (2026). An Islamic Economic Law Analysis of the Mudharabah Muqayyadah Contract at Toko Madura Riska in Jakarta. Indonesian Journal Economic Review (IJER), 6(2), 892-898. https://doi.org/10.59431/ijer.v6i2.858
License

This work is licensed under a Creative Commons License.

img
img
img
img
img
Our News & Similar Articles

Similar Articles

You may also start an advanced similarity search for this article.