IMPLEMENTATION OF TA'WIDH ON PROBLEM FINANCING AT KSPPS BINA MITRA WAHANA AR-RAHMAH JATIM VIEWED FROM DSN-MUI FATWA NO 17/DSN-MUI/IX/2000 AND DSN-MUI FATWA NO 43/DSN-MUI/VIII/2004”
Keywords:
ta'widh, problem financing, DSN-MUI fatwaAbstract
This study aims to explain how ta'widh is enforced on problem financing at KSPPS BMW Ar-Rahmah East Java and how ta'widh is enforced on problem financing at KSPPS BMW Ar-Rahmah East Java in terms of DSN-MUI fatwa No. 17/DSN-MUI/IX /2000 and DSN-MUI fatwa No. 43/DSN-MUI/VIII/2004. This research approach is descriptive qualitative. Methods of data collection using interviews, observation, and documentation. The results of this study are as follows: The implementation of ta'widh on troubled financing at KSPPS BMW Ar-Rahmah East Java, namely all adjustments as stipulated in the DSN-MUI fatwa where KSPPS will adjust to real losses. The ta'widh (compensation) implementation is set for members at 4% at the beginning of the contract and accumulates every day of delay. Furthermore, KSPPS BMW Ar-Rahmah East Java has implemented ta'widh according to the provisions of Fatwa No. 17/DSN-MUI/IX/2000, which does not give ta'widh to members who experience force majeure and impose sanctions on those who are proven capable and procrastinate, and funds from fines are used for social funds.
Downloads
References
W. Pachta, M. R. Bactiar, and N. M. Benemy, “Hukum Koperasi Indonesia (Pemahaman, Regulasi, Pendidikan, dan Modal Usaha),” Kencana. Jakarta, 2007.
E. S. Habibullah, “Prinsip-Prinsip Muamalah dalam Islam,” Ad-Deenar J. Ekon. dan Bisnis Islam, vol. 2, no. 01, pp. 25–48, 2018.
Kasmir, “Bank dan Lembaga Keuangan Lainnya. Edisi Revisi,” Peran. Lap. Keuang. DALAM KEBIJAKSANAAN PEMBERIAN KREDIT Kpd. CALON NASABAH PADA PT. BPR BATANG KAPAS, 2017.
M. N. Purba, M. I. Affandi, and A. Nugraha, “Strategi pengembangan koperasi kredit (KOPDIT) Mekar Sai dalam pembiayaan agribisnis di Lampung,” J. Ilmu Ilmu Agribisnis J. Agribus. Sci., vol. 4, no. 3, 2017.
K. Umam and S. B. Utomo, Perbankan syariah: dasar-dasar dan dinamika perkembangannya di Indonesia. PT RajaGrafindo Persada, 2016.
M. Yahya Harahap, Segi-Segi Perjanjian. Bandung: Alumni Publishers, 1986.
J. Satrio, Hukum jaminan, hak-hak jaminan kebendaan. Penerbit PT Citra Aditya Bakti, 1993.
Sugiyono, Metode penelitian: Pendekatan Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, 2015, 2017.
A. Tanzeh, “Dasar-Dasar Penelitian,” Surabaya: Elkaf, 2006.
L. J. Moleong and P. Edisi, “Metodelogi penelitian kualitatif,” Bandung: Penerbit Remaja Rosdakarya, 2004.
S. Andrian, “Perbankan syariah: Tinjauan dan Beberapa segi hukum,” Bogor Ghalia Indones., 2009.
B. P. Agung, “Aspek hukum pembiayaan murabahah pada perbankan syariah,” Yogyakarta UII Press Yogyakarta, 2012.
Departemen Agama RI, “Al-Quran dan Terjemahannya.” Jumanatul Ali Art, Bandung, p. 106, 2006.
H. A. Djazuli, Kaidah-kaidah Fiqih: Kaidah-kaidah Hukum Islam dalam Menyelesaikan Masalah-masalah yang Praktis. Jakarta: Kencana Prenada Media Group, 2019.
