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PEMBIAYAAN QARDH DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH (KSPPS) DIRGANTARA MITRA SEJAHTERA
One of the financing in sharia cooperatives is the qardhul financing contract hasan. This non-commercial loan is one of its distinguishing characteristics between Islamic and conventional banking. This funding is intended for people who really need it and don't use instruments margin and profit sharing, which in this case means helping each other. In the Fatwa of the National Sharia Council it is also stated that the qardh contract intended for customers who need it and must be returned the amount principal received according to the agreed time. Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Dirgantara mItra Sejahtera is one of the many sharia cooperatives in the City Surakarta which owns and implements qardh financing. In practice, KSPPS provided qardh financing to 80 of its members. Qardh financing provided by KSPPS Dirgantara Mitra Sejahtera, there are three categories, namely category 1 with a maximum financing of Rp 3.000.000,- and is intended for members/community who want to start business, then category 2 for a maximum financing of IDR 5,000,000 and intended for members/community who want to increase their business capital and category 3 for members who have troubled financing in KSPPS Dirgantara Mitra Sejahtera. The review of this research is the DSN MUI Fatwa Number: 19/DSNMUI/ IV/2001 About Al-Qardh. This research is a qualitative research with its kind, namely study case at KSPPS Dirgantara Mitra Sejahtera by collecting data through interviews, observations and also other media. The results of this study show that KSPPS Dirgantara Mitra Sejahtera has implemented qardh financing and in general it is appropriate with the principles contained in the DSN MUI Fatwa Number: 19/DSNMUI/IV/2001 Concerning Al-Qardh. However, according to the author there is a cost administration which is still above reasonable limits because it is not adjusted accordingly received financing. In its journey, KSPPS has 3 obstacles the main activities are field verification, field guidance and success member empowerment.
FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
PEMBIAYAAN QARDH DI KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH (KSPPS) DIRGANTARA MITRA SEJAHTERA (Text)
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