ANJARWATI, FITRIA (2022) ...(LENGKAPI LEMBAR PERSETUJUAN PUBLIKASI, UPLOAD ULANG)...ANALISIS KHES TERHADAP PROSEDUR PEMBIAYAAN DAN PEMBIAYAAN BERMASALAH (STUDI KASUS DI KSPPS JAMA'AH AL-HIDAYAH DS. BALERJO, KEC. KEBONSARI, KAB. MADIUN). Undergraduate (S1) thesis, IAIN PONOROGO.
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FITRIA ANJARWATI 102180050 Hukum Ekonomi Syariah_ SKRIPSI A4.pdf Download (3MB) | Preview |
Abstract
Abstract: KHES article 231, the owner of the capital is obliged to hand over funds and or valuable goods to another party to cooperate in the business, the recipient of the capital runs a business in the agreed field and the business field is stipulated in a contract. Article 616 of the KHES explains that if the customer cannot return it and it has been confirmed that it cannot return, it will erase part or all of the obligation. Article 608 and the opinion of the MUI Fatwa NO: 07/DSN-MUI/IV/2000 regarding muḍārabah financing allows for guarantees. The management of KSPPS Jama'ah Al-Hidayah in lending funds through a muḍārabah agreement that the management if anyone borrows funds for consumption is given just like that with mutual help and the management does not conduct a survey at all then the management also does not burden the collateral for goods to members who borrowed funds. Due to the lack of regulations in lending financing resulted in problematic financing that occurred to one member of KSPPS Jama'ah Al-Hidayah. The formulation of the problem in this study are: first, how is the muḍārabah analysis of the financing procedure at KSPPS Jama'ah Al-Hidayah. Second, how is the analysis of problematic financing at KSPPS Jama'ah Al-Hidayah. In this study using the field method/qualitative method (field research) because it carried out direct observations while data collection was through interviews, documentation, and observation. in this study used the inductive method because it made direct observations. From this research process, it is concluded first, that KSPPS Jama'ah Al-Hidayah uses absolute muḍārabah in providing financing with agreed business fields not in accordance with KHES muḍārabah 231 because in KSPPS Jama'ah Al-Hidayah if someone borrows funds for consumption given just like that, whereas in the muḍārabah contract it must be ensured that the funds are for business then the management does not carry out surveys and guarantees of goods according to KHES and the MUI Fatwa allow guarantees. Second, the lack of established regulations resulted in problematic financing for one member of the KSPPS Jama'ah Al-Hidayah.
Keywords: Compilation of Islamic Economic Law (KHES) Muḍārabah and Qarḍ, Muḍārabah Financing at KSPPS Jama'ah Al-Hidayah.
| Item Type: | Thesis (Undergraduate (S1)) |
|---|---|
| Thesis Supervisor: | NOVI FITIA MALIHA |
| Subjects: | 14 ECONOMICS > 1499 Other Economics > 149999 Economics not elsewhere classified |
| Divisions: | Fakultas Syariah > Jurusan Muamalah |
| Depositing User: | Miss Perpustakaan IAIN Ponorogo |
| Date Deposited: | 18 May 2022 01:23 |
| Last Modified: | 18 May 2022 01:23 |
| URI: | http://etheses.iainponorogo.ac.id/id/eprint/18139 |
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