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Commercial Partnership Types in Islamic Law

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SHIRKAH
SHIRKAH ,[object Object],[object Object],[object Object]
Types of shirkah ,[object Object],[object Object],[object Object],[object Object]
Shirkah al milk Shirkah al ‘aqd COMMERCIAL PARTNERSHIP FINANCE al-amwal WORK al-a‘mal CREDIT- WORTHINESS al-wujooh SHIRKAH JOINT OWNERSHIP COMMERCIAL PARTNERSHIP
Shirkah al ‘aqd ,[object Object],[object Object],[object Object]
Shirkah-al-amwal ,[object Object],[object Object],[object Object],[object Object]
Inan ,[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object]
Mufawadah ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MUDHARABAH
Definition ,[object Object],[object Object],[object Object]
Mudharabah ,[object Object],[object Object],[object Object],[object Object],[object Object]
Mudharabah ,[object Object],[object Object]
Types of Mudharabah ,[object Object],[object Object],[object Object],[object Object]
Rules in Mudharabah ,[object Object],[object Object],[object Object],[object Object],[object Object]
Rules in Mudharabah ,[object Object],[object Object]
Application of Mudharabah ,[object Object],[object Object],[object Object],[object Object],[object Object]
Application of Mudharabah ,[object Object],[object Object],[object Object],[object Object]
Application of Mudharabah ,[object Object],[object Object],[object Object],[object Object],[object Object]
Bank Syariah (Shahibul Maal) KEUNTUNGAN BAGI HASIL Mengikut contribution of capital (nisbah) MODAL Nisbah X % Nisbah Y% SKEMA MUDHARABAH 4 1 2 2 3 3 Pelanggan ( Mudharib) Ansuran/sekaligus Proposal Projek/Usaha Tenaga/Keahlian Modal 100% Pengembalian Modal Pokok
Prinsip Distribusi Hasil Usaha ,[object Object],[object Object],[object Object]
CONTOH PEMBIAYAAN MUDHARABAH En. Ahmad memiliki gudang perniagaan gula untuk dihantar kebeberapa pasaraya dan restoran dengan mendapat hasil RM50,000 sebulan dan berazam untuk menambah modal kepada RM250,000. Untuk meningkatkan volume, usaha hingga mencapai hasil yang diharapkan sebanyak RM75,000 sebulan. Bank Islam telah membantu En. Ahmad untuk menyelesaikan masalah diatas dengan bersetuju untuk memberi pembiayaan Mudharabah (assuming the profit expectation 20% for Bank Islam)
Perhitungan Bank : - Pembiayaan dari Bank : RM.250 juta - Keuntungan diharapkan Bank : 20% x RM250,000 = RM50,000 atau RM600,000 setahun. - Hasil usaha selama 1 thn : RM75,000 sebulan x 12 bln : RM900,000 setahun. - Maka nisbah bagi hasil Bank : RM600,000/ RM900,000 : 66,67% - Nisbah bagi hasil En.Ahmad : 33,33% Lanjutan.......

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Commercial Partnership Types in Islamic Law

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  • 4. Shirkah al milk Shirkah al ‘aqd COMMERCIAL PARTNERSHIP FINANCE al-amwal WORK al-a‘mal CREDIT- WORTHINESS al-wujooh SHIRKAH JOINT OWNERSHIP COMMERCIAL PARTNERSHIP
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  • 20. Bank Syariah (Shahibul Maal) KEUNTUNGAN BAGI HASIL Mengikut contribution of capital (nisbah) MODAL Nisbah X % Nisbah Y% SKEMA MUDHARABAH 4 1 2 2 3 3 Pelanggan ( Mudharib) Ansuran/sekaligus Proposal Projek/Usaha Tenaga/Keahlian Modal 100% Pengembalian Modal Pokok
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  • 22. CONTOH PEMBIAYAAN MUDHARABAH En. Ahmad memiliki gudang perniagaan gula untuk dihantar kebeberapa pasaraya dan restoran dengan mendapat hasil RM50,000 sebulan dan berazam untuk menambah modal kepada RM250,000. Untuk meningkatkan volume, usaha hingga mencapai hasil yang diharapkan sebanyak RM75,000 sebulan. Bank Islam telah membantu En. Ahmad untuk menyelesaikan masalah diatas dengan bersetuju untuk memberi pembiayaan Mudharabah (assuming the profit expectation 20% for Bank Islam)
  • 23. Perhitungan Bank : - Pembiayaan dari Bank : RM.250 juta - Keuntungan diharapkan Bank : 20% x RM250,000 = RM50,000 atau RM600,000 setahun. - Hasil usaha selama 1 thn : RM75,000 sebulan x 12 bln : RM900,000 setahun. - Maka nisbah bagi hasil Bank : RM600,000/ RM900,000 : 66,67% - Nisbah bagi hasil En.Ahmad : 33,33% Lanjutan.......