Model Pembiayaan Berbasis Grameen Bank Di KBMT Muamalah Syariah Jombang

Abstract

This study aims to analyze the system and procedures of the Grameen Bank financing model and examine its compliance with Islamic economic principles at Koperasi Muamalah Syariah Tebuireng. This research employs a qualitative approach with a case study design, utilizing observation, in-depth interviews, and documentation as data collection techniques. The findings reveal that the Grameen Bank financing model is implemented through a collateral-free mechanism with a group-based joint liability system, which effectively enhances financial access for low-income communities. From the perspective of Islamic economics, this practice aligns with sharia principles through the implementation of qardl al-hasan and kafalah contracts, and embodies the values of justice, welfare, balance, and ethics, while avoiding elements of riba, gharar, and maysir. This model, originally developed by Muhammad Yunus, proves to be a relevant alternative for community-based economic empowerment within Islamic financial institutions in Indonesia.