Bagaimana dan apa yang disebut dengan mudharabah muqayyadah tersebut?
Mudharabah adalah bentuk kerjasama antara dua atau lebih pihak dimana pemilik modal (shahibul maal) mempercayakan sejumlah modal kepada pengelola (mudharib) dengan suatu perjanjian pembagian keuntungan. Bentuk ini menegaskan kerjasama debgan kontribusi 100% modal dari shahibul maal dan keahlian mudharib.
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Berdasarkan kewenangan yang diberikan pihak penyimpan dana, prinsip mudharabah terbagi tiga:
1. Mudharabah mutlaqah
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Penerpan mudharabah mustlaqah dapat berupa tabungan dan deposito, sehingga terdapat dua jenis penghimpunan dana, yaitu: tabungan mudharabah dan deposito mudharabah. Ketentuan umu dalam produk ini, sebagai berikut::
- Bank wajib memberitahukan kepada pemilik dana mengenai nisbah dan tata cara pemberitahuan keuntungan, dan atau pembagian keuntungan secara resiko yang dapat di timbulkan dari penyimpanan dana. Apabila tercapai kesepakatan, harus di cantumkan dalam akad.
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Untuk tabungan mudharabah, Bank dapat memberikan buku tabungan sebagai bukti penyimpanan, serta kartu ATM, dan atau alat penarikan lainnya kepada penabung. Untuk deposito mudharabah, Bank wajib memberikan sertifikat atau tanda penyimpanan (bilyet) deposito kepada deposan.