Internalization of Muamalah Contracts in Sharia-Based Business Models: Analysis of Business Model Canvas in Micro and Small Enterprises
DOI:
https://doi.org/10.57185/mutiara.v4i2.477Keywords:
muamalah agreement, micro and small enterprises, business model canvas, sharia business model, financial literacyAbstract
This research aims to analyze the integration of muamalah contracts in sharia-based business models for micro and small enterprises (MSEs) using the Business Model Canvas (BMC) framework. Literature studies indicate that MSE actors' understanding of contracts such as mudharabah, musyarakah, murabahah, and rahn still varies, so their implementation requires an in-depth conceptual and operational understanding. This study employs a library research method with a descriptive-analytical approach to map the relationship between muamalah contracts within each BMC block, ranging from value propositions and key partnerships to revenue streams and key activities. The results show that the integration of muamalah contracts functions as a financing instrument while also shaping cost structures, revenue streams, and sharia-based partnerships. These findings confirm that the success of MSEs' sharia business models is highly dependent on contract literacy, value innovation, sharia compliance, and adaptation to digitalization. The implications of this research include an educational BMC design for MSE actors and the development of sustainable business strategies aligned with the principles of maqâṣid al-syarīʿah.
References
Akbar, F. M. A., Rosidta, A., & Lazuardi, A. (2024). Pengembangan model pembiayaan syariah untuk usaha mikro, kecil, dan menengah (UMKM). Ar Rasyiid: Journal of Islamic Studies, 2(1), 29–38.
Abdurrohman Akbar, Rosidta, & Lazuardi, F. (2023). Hambatan pembiayaan syariah bagi UMK di Indonesia: Studi literatur. Jurnal Ekonomi dan Bisnis Islam, 10(2), 45–60.
Akbar, F. M. A. (2024). Pengembangan model pembiayaan syariah untuk UMKM. Ar Rasyiid: Journal of Islamic Studies, 2(1).
Alfiah, N. S., Rifaz, M., & Muslim, E. (2024). Tinjauan muamalah terhadap praktik pemberian kredit bagi UMKM di Pegadaian Sumedang. Persya: Jurnal Perbankan Syariah, 2(2), 57-60.
Arifin, Asriadi. “Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang Murabahah: Refleksi Kritis terhadap Implementasi BSI Dimensi Ekonomi Islam.” Balanca: Jurnal Ekonomi dan Bisnis Islam [ONLINE], Volume 6 Issue 1 (June, 2023): 1–2.
Bowen, G. A. (2009). Document analysis as a qualitative research method. Qualitative Research Journal, 9(2), 27–40. https://doi.org/10.3316/QRJ0902027
Chateradi, B. C., & Hidayah, N. (2017). Pengembangan usaha mikro, kecil, menengah (UMKM) melalui akad mudharabah. Jurnal Ilmiah Edunomika, 1(02). https://doi.org/10.29040/jie.v1i02.151
Creswell, J. W. (2014). Research design: Qualitative, quantitative, and mixed methods approaches (4th ed.). Sage Publications.
Elo, S., & Kyngäs, H. (2008). The qualitative content analysis process. Journal of Advanced Nursing, 62(1), 107–115. https://doi.org/10.1111/j.1365-2648.2007.04569.x
Fatikah, B. H., & Fathurohman SW, O. (2024). IMPLEMENTASI AKAD MUSYARAKAH DALAM PENDANAAN CROWDFUNDING SYARIAH UNTUK MENDUKUNG PENGEMBANGAN UMKM. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(5). https://doi.org/10.30651/jms.v9i5.24792
Hasanah, A., Irvani, A., & Nurdin, M. (2024). Implementasi akad murabahah pada pembiayaan mikro (Studi Bank Syariah Indonesia Kantor Cabang Pangkalpinang). JYRS: Journal of Youth Research and Studies, 5(2), 350-376. https://doi.org/10.32923/jyrs.v5i2.5041
Idarotuna. (2022). Kerangka bisnis model canvas pada industri halal: Perspektif maqashid syariah. Idarotuna Journal.
Meutya, R., Eriska, C., Olivia, D. S., & Adriananda, T. R. F. (2024). Peran akad mudharabah dalam penghimpunan dana dan pembiayaan usaha mikro kecil menengah. Jurnal El Rayyan: Jurnal Perbankan Syariah, 3(2). https://doi.org/10.59342/jer.v3i2.709
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). Sage Publications.
Neuman, W. L. (2014). Social research methods: Qualitative and quantitative approaches (7th ed.). Pearson.
Nosratabadi, S., Mosavi, A., Shamshirband, S., Zavadskas, E. K., Rakotonirainy, A., & Chau, K. W. (2019). Sustainable business models: A review. arXiv.
Nugraha, R. (2023). Analisis business model canvas pada UMKM tikar mendong Purbaratu menggunakan Blue Ocean Strategy. Acitya, 2(1).
Pangestu, D. R. (2025). Evaluasi implementasi akad syariah dalam pembiayaan UMKM: Tantangan dan tren terkini. Journal of Islamic Finance and Ekonomics, 2(02), 151-164.
Pasaribu, R. A., & Anggraini, T. (2024). Pelaksanaan akad musyarakah dalam perbankan syariah. Jurnal Bisnis, Ekonomi Syariah, dan Pajak, 1(3). https://doi.org/10.61132/jbep.v1i3.454
Permatasari, P. I., & Masruchin. (2022). Analisa proses bisnis dan model bisnis pada platform e-commerce syariah Salamin.id. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(1). https://doi.org/10.25299/syarikat.2022.vol5(1).9030
Putra, M. R. A., & Fajri, M. S. (2024). Peran akad mudharabah pada permodalan usaha mikro kecil dan menengah di Kota Samarinda. Sanskara Ekonomi dan Kewirausahaan, 3(01), 1-6.
Rinawati, I. (2025). Business Model Canvas in Islamic Economic Review. Dialektika.
Safwan, S. (2024). Analisis implementasi akad-akad syariah dalam transaksi bisnis UMKM terhadap keberlanjutan usaha: Studi kasus UMKM Kota Sigli. HEI EMA: Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi, 4(2). https://doi.org/10.61393/heiema.v4i2.347
Salsabila, N. F. (2023). Analisa model bisnis berbasis syariah pada UMKM Tiga Putra dengan pendekatan business model canvas. Repository UIN Jakarta.
Sholihah, N. A., Parmono, A. D., & Siwi, S. R. (2025). Analisis penggunaan Business Model Canvas terhadap persaingan bisnis pada BMT El-Mentari Purwokerto. JAEM, 2(2).
Syakir, M. A., Sauqi, M., Candrakusuma, M. (2021). Analisis implementasi akad murabahah pada pembiayaan usaha mikro. Musyarakah: Journal of Sharia Economic (MJSE), 1(2), https://doi.org/10.24269/mjse.v1i2.4693
Widyaningsih, R. (2022). Implementasi etika bisnis syariah dalam perusahaan mikro dan kecil di Indonesia: Tinjauan hukum dan praktik. Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah), 7(1). https://doi.org/10.55606/ai.v7i1.1514
