KESESUAIAN AKAD QARDH PADA PEMINJAMAN DI BANK INFAQ DITINJAU DARI FATWA DSN-MUI NO. 19/DSN-MUI/VI/2001 TENTANG AL-QARDH (STUDI KASUS DI BANK INFAQ AR RAUDHOH YOGYAKARTA)

Hafidana Ardea, NIM.: 19103080016 (2024) KESESUAIAN AKAD QARDH PADA PEMINJAMAN DI BANK INFAQ DITINJAU DARI FATWA DSN-MUI NO. 19/DSN-MUI/VI/2001 TENTANG AL-QARDH (STUDI KASUS DI BANK INFAQ AR RAUDHOH YOGYAKARTA). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Bank Infaq Ar Raudhoh Yogyakarta was founded in March 2020 in Yogyakarta. Bank Infaq is an infaq amil which carries out three main activities, namely (1) collecting infaq funds (2) distributing infaq funds for lending, and (3) empowering members through the taklim assembly. Until July 2023, the infaq received was IDR 139,475,000 with the accumulated loans disbursed reaching IDR. 400,500,000. In carrying out its lending activities, it uses a joint responsibility group system. Infaq Bank as a non-profit institution does not require guarantees or collateral from its borrowers so it is risky in mitigating debt repayment. In this regard, it is necessary to study whether the lending system and practices at Bank Infaq Ar Raudhoh Yogyakarta in the form of Qardh are in accordance with DSN-MUI Fatwa Number 19/DSN-MUI/VI/2001 concerning Al-Qardh and how to handle failed to pay. This research is a type of field research, with primary and secondary data sources. Primary data is taken from data in the form of direct observations (observations), interviews with actors (managers and borrowers) of Infaq Bank and secondary data in the form of documents related to Bank Infaq Ar Raudhoh Yogyakarta. This research concludes two things. First, the al-qardh system and practices carried out at Bank Infaq Ar Raudhoh Yogyakarta fulfill the provisions or do not conflict with the DSN-MUI fatwa No: 19/DSN-MUI/IV/2001 concerning Al-Qardh. Second, handling failed to pay is carried out at 2 levels of resolution, namely at the borrower group level and at the Bank Infaq level. At the Bank Infaq level, the number of failed to pay transactions from the Al Qardh contract at Bank Infaq Ar Raudhoh Yogyakarta was 5 installment transactions out of a total of 5,300 installment transactions or 0.09%. which is caused by the death of the Muqtaridh (borrower).

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