This research aims to: (1) Knowing the obstacles faced in implementing the Mutanaqisah Musharaka Financing (2) The solutions taken to overcome these obstacles; and (3) the right strategy to apply musyarakah mutanaqisah financing. This study uses the Analytic Network Process (ANP) method and the assistance of Super Decision software. ANP is carried out in three stages, namely: first, in-depth interviews with Islamic banking experts and practitioners to identify the factors that influence the minimum amount of musyarakah mutanaqisah. Second, the results of the first step are used to create an ANP framework and a questionnaire addressed to Islamic banking experts and practitioners; and third, ANP analysis to determine the best priorities, solutions and strategies for implementing Musyarakah mutanaqisah financing in Islamic banking.The results showed that: (1) The constraints faced by Islamic banking in implementing Musyarakah Mutanaqisah financing for Islamic banking KPRS financing can be divided into two, namely internal and external problems. Internal problems stem from internal banking, banking human resources, and musyarakah mutanaqisah financing products. External problems originate from customers, authorities, and Islamic banks. The most priority problem faced is internal problems, namely human resources (HR) associated with low knowledge and skills about the MMQ contract. Meanwhile, the most dominant external problem is Islamic banking with a lack of insight into the MMQ contract. (2) The solutions given in determining the financing strategy for the musyarakah mutanaqisah are divided into two, namely internal and external solutions. The most priority solution comes from internal solutions, namely product solutions in the form of Islamic banking that must vary the contract, especially for the MMQ contract; and (3) The alternative with the most priority in determining the financing implementation strategy with the musyarakah mutanaqisah contract in Islamic banking is the Socialization and Education Program, followed by Contract Optimization, Portfolio Development, Image Strengthening, MMQ Segmentation Mapping, and MMQ financing market segmentation.

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan murabahah dan mudharabah di terhadap pengembangan micro business performance di Kota Medan. Penelitian ini menggunakan metode kuantitatif. Analisis data menggunakan analisis regresi linier sederhana untuk mengetahui pengaruh antara variabel bebas dan variabel terikat. Populasi penelitian ini adalah 30 nasabah pembiayaan murabahah dan 19 nasabah pembiayaan mudharabah. Dengan demikian, seluruh populasi nasabah pembiayaan murabahah dan mudharabah digunakan sebagai sampel penelitian. Teknik pengumpulan data menggunakan angket dan dokumentasi untuk memperoleh data jumlah nasabah dan tentang perkembangan micro business performance. Hasil penelitian menunjukkan bahwa pembiayaan murabahah dan mudharabah berpengaruh positif signifikan terhadap perkembangan micro business performance di Kota Medan. Kata Kunci: Pembiayaan Murabahah, Mudharabah, Micro Busines

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This research is a library research whose data is through library sources, namely library research through library research. The study of literature (library research) is closely related to theoretical studies and other references related to the relevance of the use of the Koran in sharia economic reviews. The contents of the Qur'an are creed, worship, morals, law, warning/tadzkir, history or stories and signs for those who carry science and technology. The language style of the Qur'an in conveying the law is not burdensome or troublesome, does not add to the burden/demand and is gradual in ordering something. Qath'i and Zhanni are quite complicated discussions among Ushuliyun or ushul fiqh scholars when dealing with the force of law (hujjah a proposition). We can understand the position of the Qur'an as a source of law from the views of the imams of the four schools of thought, namely Imam Abu Hanifa, Imam Malik, Imam Shafi'i, and Imam Ahmad Ibn Hambal.

Cryptocurrency dapat digunakan sebagai alat pembayaran, Investasi, maupun Trading. Beberapa jenis Cryptocurrency selain Bitcoin juga banyak digunakan. Pro dan kontra di masyarakat terjadi akibat perbedaan pendapat mengenai Cryptocurrency. Karena belum ada legalitas mengenai Cryptocurrency sebagai alat pembayaran maupun mata uang yang diakui di Indonesia. Harganya yang Fluktuatif serta keamanannya yang masih terdapat cela  membuat perdebatan mengenai Cryptocurrency seperti pada Bitcoin belum mencapai titik terang. Dalam Perspektif hukum islam, sebagian Ulama berpendapat bahwa bentuk mata uang digital ini tidak mempunyai kejelasan dan tidak dapat dilihat fisiknya memungkinkan terjadinya penipuan menjadikan Cryptocurrency mengandung unsur Gharar. Kemudian penggunaan Cryptocurrency dalam Investasi maupun Trading menjadikannya tidak lepas dari spekulasi mengenai harganya yang sangat Fluktuatif dan hanya digunakan sebagai alat untung rugi maka Cryptocurrency mengandung unsur Maysir. Karena urgensi mata uang Kripto ini sangat luas terutama dalam cakupan teknologi dan ekonomi