Business Plan dan Pengembangan Model Pembiayaan Akad Murabahah Usaha Konveksi Hijab Syar’i Essentials

Business Plan and Development of Murabahah Agreement Financing Model for Syar'i Essentials Hijab Convection Business

Abstract

This study aims to develop a comprehensive and applicable business plan for the growth of the Syar’i Essentials hijab manufacturing enterprise, as well as to design a financing model based on the murābaḥah contract that is relevant and suitable for micro-enterprises in the Muslim fashion industry. This applied qualitative research uses a case study approach focused on Syar’i Essentials, a startup operating in the modest fashion sector. The findings reveal that a business plan addressing production, marketing, management, and sharia-based financial systems is crucial to ensure the sustainability and integrity of the business. The murābaḥah-based financing model is designed to fulfill capital needs in a halal manner, using a transparent transaction scheme free from riba, gharar, and maysir. The implementation of this model offers a strategic, applicable financing solution that can be replicated in similar micro-scale businesses. This study is expected to provide practical contributions to the strengthening of the sharia-based entrepreneurial ecosystem and the development of Islamic microfinance models.