Reconstruction Of Profit Sharing Scheme And Cooperation Model Between Sharia Rural Bank And Zakat Management Organization For Micro Enterprisesfinancing In Indonesia

Abstract

This study aims to analyze the problem of profit sharing system implemented by Sharia Rural Bank(SRB) to finance small and medium scale businesses and the solution as well as the reconstruction of profit sharing financing models and cooperation models between SRB and zakat management organizations. Zakat Management Organizations (ZMO) can provide assistance in the form of ZIS distributionand provision of revolving financing to Micro, Small and Medium Enterprises (MSME). ZMOcan also provide financial guarantee assistance or provide assistance with debt financing settlement that cannot be paid by MSME. Then, SRBcan distribute their profits to ZMOand even MSMEwho obtain profits can pay zakat on business profits to ZMO.Then this collaboration model will create mutualist symbiosis