ANALISIS PENGELOLAAN PRODUK DEPOSITO MUDHARABAH BERJANGKA DI BAITUL MAAL WAT TAMWIL (BMT) MAPAN MANDIRI KC KENDARI

Helmiatin, Nim:2021050102054, H (2026) ANALISIS PENGELOLAAN PRODUK DEPOSITO MUDHARABAH BERJANGKA DI BAITUL MAAL WAT TAMWIL (BMT) MAPAN MANDIRI KC KENDARI. Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK

Helmiatin, Nim:2021050102054, “Analisis Pengelolaan Produk
Deposito Mudharabah Berjangka Di Baitul Maal Wat Tamwil
(BMT) Mapan Mandiri kc Kendari”. Di Bimbing Oleh Dr. KH.
Muhammad Hadi M.H.I. dan Dr. Muljibir Rahman S.EI, M.E.SY.
penelitian ini bertujuan untuk menganalisis pegelolaan produk deposito
mudharabah berjangka di Baitul Maal Wat Tamwil (BMT) Mapan
Mandiri Kc Kendari. Rumusan masalah penelitian ini yaitu: 1)
Bagaimana Pengelolaan Produk Deposito Mudharabah di BMT Mapan
Mandiri ? 2) Bagaimana Faktor Pendukung dan Penghambat Dalam
Pengelolaan Produk Deposito Mudharabah di BMT Mapana Mandiri ?.
jenis penelitian adalah penelitian kualitatif dengan pendekatan
deskriptif. Data diperoleh melalui wawancara, observasi, dan
dokumentasi terhadap pihak-pihak terkait di BMT Mapan Mandiri
Kendari, seperti Direktur, Staf HR, dan Teller. Analisis data dilakukan
melalui tahapan reduksi data, penyajian data, serta penarikan
kesimpulan dengan menggunakan teknik triangulasi sumber dan
metode untuk menjamin keabsahan data. Hasil dari penelitian ini
menunjukan bahwa: 1) pengelolaan produk deposito mudharabah di
BMT Mapan Mandiri KC Kendari telah berjalan sesuai dengan prinsipprinsip

syariah, dengan penerapan sistem bagi hasil (nisbah) yang
disepakati bersama antara pihak lembaga dan nasabah. Dana deposito
dikelola dengan menyalurkannya ke sektor-sektor produktif dan halal,
seperti perdagangan, pertanian, dan pembiayaan syariah. 2) Faktor
pendukung dalam pengelolaan produk ini meliputi kualitas sumber
daya manusia, sistem digital yang mempermudah pelayanan, serta
kepercayaan anggota terhadap lembaga. Adapun faktor penghambatnya
meliputi kurangnya pemahaman sebagian masyarakat terhadap produk
syariah, keterbatasan promosi, dan persaingan dengan lembaga
keuangan konvensional.

Kata kunci: Pengelolaan, Deposito Mudharabah, BMT, Bagi Hasil

ABSTRACT

Helmiatin, Student ID: 2021050102054, "Analysis of Term
Mudharabah Deposit Product Management at Baitul Maal Wat
Tamwil (BMT) Mapan Mandiri, Kendari Branch." Supervised by
Dr. KH. Muhammad Hadi, M.H.I., and Dr. Muljibir Rahman,
S.E.I., M.E.Sy.
This study aims to analyze the management of term mudharabah
deposit products at Baitul Maal Wat Tamwil (BMT) Mapan Mandiri,
Kendari Branch. The research problems are: (1) How is the
management of the mudharabah deposit product at BMT Mapan
Mandiri? and (2) What are the supporting and inhibiting factors in the
management of the mudharabah deposit product at BMT Mapan
Mandiri? This research uses a qualitative method with a descriptive
approach. Data were collected through interviews, observation, and
documentation involving relevant parties at BMT Mapan Mandiri
Kendari, including the Director, HR Staff, and Teller. Data analysis
was carried out through data reduction, data presentation, and
conclusion drawing, using source and method triangulation techniques
to ensure data validity. The results of this study show that: (1) The
management of the mudharabah deposit product at BMT Mapan
Mandiri, Kendari Branch, has been conducted in accordance with
sharia principles, implementing a profit-sharing (nisbah) system
mutually agreed upon between the institution and its customers. The
deposited funds are managed by channeling them into productive and
halal sectors such as trade, agriculture, and sharia financing. (2) The
supporting factors in managing this product include the quality of
human resources, a digital system that facilitates services, and
members’ trust in the institution. Meanwhile, the inhibiting factors
include the limited public understanding of sharia-based products, lack
of promotion, and competition with conventional financial institutions.
Keywords: Management, Mudharabah Deposit, BMT, Profit Sharing,
Kendari.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Pengelolaan, Deposito Mudharabah, BMT, Bagi Hasil
Subjects:	300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.041 Modal, Permodalan > 332.17 Layanan Bank
Divisions:	Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User:	Unnamed user with email [email protected]
Date Deposited:	11 May 2026 07:24
Last Modified:	11 May 2026 07:24
URI:	http://digitallib.iainkendari.ac.id/id/eprint/4498

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