Analisis Risiko dan Pembagian Keuntungan dalam Akad Mudharabah pada Usaha Budidaya Ikan di PT. RFI
Keywords:
Business Risk, Fish Farming, Islamic Economics, Mudharabah, Profit SharingAbstract
This study aims to analyze business risks and profit-sharing systems in mudharabah contracts applied to fish farming at PT. RFI located in Kampung Kikisik, Desa Gunungsari, Kecamatan Sukaratu, Kabupaten Tasikmalaya. This study uses a qualitative method with a descriptive approach. Data were collected through observation, in-depth interviews, and documentation. The main informant in this study is the manager of the fish farming business at PT. RFI. Data analysis technique was conducted through data reduction, data presentation, and conclusion drawing based on the Miles and Huberman model. The results show that the application of mudharabah contracts at PT. RFI has been in accordance with the principles of Islamic economics through a cooperation system between the capital owner (shahibul maal) and the business manager (mudharib) using an agreed profit-sharing ratio (nisbah). The main risks faced in fish farming include fish mortality risk, changes in weather and water quality, rising feed prices, market price fluctuations, and operational risks. The profit-sharing system is carried out after the harvest proceeds minus operational costs are distributed according to the agreed nisbah. This study shows that mudharabah contracts can be an alternative financing for fish farming that is in accordance with Islamic principles when supported by transparency, good communication, and effective risk management.
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