摘要：ABSTRACT Although BMT (Baitul Maal wat Tamwil) has not had legal peotection, but in its principle these BMT institutions have performed their function as intermediary institutions that manage funds from, for and by the society. The problem of Bmt is not only limited to the legal legality that protect them, but also related to the law of guarantee. Based on the above background, the writer formulates the purpose of writing, namely To know the Implementation of Mudharabah Agreement in KSPS Baitul Maal Wattamwil "Binama" Semarang and to understand the obstacles and solutions. The method of approach used in this study is the juridical sociological approach. The specification of this study is descriptive analysis, which is expected to be able to provide detail, systematic, and comprehensive description of all matters related to the object to be studied. The data used in this study are primary data and secondary data, i.e data obtained through interviews and library materials collected through bibliographic data, which then analyzed qualitatively. The conclusion of this study is that the Implementation of Mudharabah agreement in KSPS BMT Binama Semarang is in the form of mudharabah saving and mudharabah financing. In the implementation, saving or mudharabah saving can be implemented smoothly, while mudharabah financing scheme is still difficult to be implemented in KSPS BMT Binama because the financing of mudharabah is difficult to be implemented due to the constraints such as the difficulty of transparency of mudhorib regarding to the profit obtained, thus inhibiting the purpose of mudharabah financing according to Islamic sharia. In addition, KSPS BMT BINAMA in providing financing must be with assurance. To deal with these obstacles, the solutions implemented by KSPS BMT BINAMA in accordance with the principle of justice are as follows: 1) Market penetration, that is by recruiting new members and make the old members loyal through various services programs in BMT; 2) Cooperate with sponsorship pattern with other agencies for synergy; 3) Public awareness on sharia saving and loan. 4) Assess prospective members or customers from various aspects. The aspects of financing are better known as the 5 C's principles.
