…
comment: The repository administrator has not yet configured an RDF license.
primary topic: RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM

RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM
type: Thesis
type: Article
abstract: This thesis examines the practice of rescheduling problematic financing at the Pegantenan Branch of the Integrated Joint Venture Fund (BMT-UGT) Nusantara, Pamekasan Regency, from an Islamic legal perspective. The background of the problem stems from the phenomenon of problematic financing caused by customer default, such as decreased business income, inability to pay installments on time, or external factors such as worsening economic conditions. To address this, BMT-UGT implements rescheduling, namely rescheduling the loan tenor with the aim of easing the burden on customers, but is often accompanied by the addition of a penalty fee of 1.3% of the remaining principal, as well as administrative fees or additional margins. This practice aims to avoid institutional losses, but raises questions regarding its compliance with sharia principles. This research employed qualitative methods with a descriptive-analytical and normative approach. Data were collected through interviews with BMTs and customers, field observations, and literature review of Islamic law, DSN-MUI fatwas, and regulations related to Islamic financial institutions. The analysis was conducted to describe the rescheduling mechanism at BMTs and assess its compliance with Sharia principles. Research shows that rescheduling at BMT-UGT involves several stages, including discussions with customers, field visits to verify business conditions, re-contracting, extending the tenor to 36 months, and adjusting installments. However, the additional penalty fees, delayed margins, and administrative fees charged to customers make this practice susceptible to usury. Although rescheduling has been proven to help reduce the risk of non-performing loans, in some cases, customers still default on payments despite receiving relief. From an Islamic perspective, this practice is not entirely compliant with Sharia law. Adding fees without actual goods or services is considered similar to usury, which is clearly prohibited by th…
date: 2026-02-09
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM (Text)
has version: RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM (Text)
has published: RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM (Text)
subject: 343.07 Hukum Ekonomi

RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM (Text)
type: Document
has file: 20103080023_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 20103080023_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 20103080023 Hallindra Efrin
type: Person
given name: NIM.: 20103080023
family name: Hallindra Efrin

HTML Summary of #75918 RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM
format: text/html
primary topic: RESCHEDULING PEMBIAYAAN BERMASALAH DI BMT-UGT NUSANTARA PEGANTENAN DALAM PERSPEKTIF HUKUM ISLAM

343.07 Hukum Ekonomi
type: Concept