Manajemen Risiko Pembiayaan Muḍarabah Di Kspps Bmt Nurul Barokah Desa Tempursari Kecamatan Sambi Kabupaten Boyolali

BMT is syariah financial institution that have the task of collecting funds and distributing data to its members. BMT have several financing transactions, namely musharabah and murabahah. The purpose of the study was to determine the risk and risk mitigation in muḍarabah financing and to determine the concept of risk management for muḍarabah financing at KSPPS BMT Nurul Barokah, Tempursari Village, Sambi District, Boyolali Regency. The research method used is qualitative. The results of this study are that BMT Nurul Barokah have several risks in muḍarabah financing and some risk management. The following are the risks that can be obtained by BMT Nurul Barokah in muḍarabah financing; the proposed business has a big risk or not, the business violates syariah or not, the profit violates sharia or not, the business that will be facilitated whether it have good potential for the future or not, experienced business actor or not, the profit sharing ratio is possible or not. Mitigation carried out by BMT Nurul Barokah, namely; conduct a survey first, make various activities for members. Between the BMT and members often hold meetings or gatherings every month. The concept of Muḍarabah financing risk management at BMT Nurul Barokah is the syariah concept. The syariah concept used is in accordance with the vision and mission of BMT Nurul Barokah. The syariah concept continues to be carried out through the products and implementation of BMT Nurul Barokah products