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Sep 12, 2023
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Dec 12, 2023
Published
Dec 30, 2023
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Abstract

Kajian empiris mengenai skema pembiayaan mudarabah dua tingkat (two-tier mudarabah) kurang mendapat perhatian, terutama karena absennya institusi keuangan yang merangkul model keuangan Islam yang awalnya diusulkan dan sangat diinginkan. Penelitian ini menggali KSP-Beng Mawah, sebuah koperasi konvensional di Aceh, Indonesia, yang beroperasi sejak tahun 2012. Secara khusus, koperasi ini mengintegrasikan skema pembiayaan mudarabah dua tingkat, dengan penekanan khusus pada masyarakat pedesaan di Saree, Kabupaten Aceh Besar, Provinsi Aceh. Istilah 'Mawah' dalam nama koperasi mengindikasikan tradisi lama mudarabah yang mendalam dalam sejarah sosial-ekonomi Aceh. Secara metodologis, penelitian ini menggunakan pendekatan studi kasus yang secara harmonis menggabungkan metodologi kualitatif dan kuantitatif. Sintesis metodologis ini berperan penting dalam memfasilitasi analisis komprehensif dan konklusif terhadap fenomena sosial-ekonomi. Untuk analisis data, Uji Wilcoxon Signed Rank dan Uji Kruskal-Wallis diterapkan. Uji tersebut digunakan untuk pengukuran berulang yang dikumpulkan dari responden pada dua kesempatan terpisah dan untuk membuat perbandingan antara kelompok. Temuan dari penelitian ini dengan tegas menegaskan bahwa KSP-Beng Mawah memberikan kontribusi substansial untuk meningkatkan kemakmuran di masyarakat pedesaan Aceh. Afirmasi ini didukung dengan kokoh oleh hasil analisis wawancara dan kuesioner yang disebar di antara anggota koperasi, di mana Beng Mawah memainkan peran sentral dalam memfasilitasi inklusi dan perluasan keuangan dalam masyarakat sehingga membawa kemakmuran bagi penduduk pedesaan masing-masing.

Keywords

Two-Tier Mudarabah, Mawah, Koperasi, Ekonomi Moral Islam

Article Details

How to Cite
Fuady, K. (2023). The Resurgence of Two-Tier Mudarabah Financing: An Empirical Exploration of Beng Mawah’s Impact on Rural Prosperity in Aceh, Indonesia. Jurnal Investasi Islam, 8(2), 136-164. https://doi.org/10.32505/jii.v8i2.7025

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