PEMBIAYAAN MUSYARAKAH
- Perjanjian antara KSPPS JMS dan Anggota untuk usaha tertentu dimana KSPPS JMS dan Anggota memberikan konstribusi dana ( modal ), dengan ketentuan bahwa keuntungan dan resiko akan ditanggung bersama sesuai kesepakatan.
- Produk pembiayaan ini untuk kebutuhan anggota berupa modal usaha untuk proyek dari pihak ketiga dalam bidang kontruksi, property, advertising, infrastruktur dll
KEUNTUNGAN
- Akad sesuai syariah
- Layanan mudah dan transparan
- Bagi hasil berdasarkan pencatatan keuntungan usaha bukan dari perkiraan keuntungan usaha
- Persentase Nisbah bagi hasil disepakati di awal perjanjian
- Biaya administrasi ringan (bukan prosentase dari plafond )
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FATWA DSN MUI