Analisis Praktek Akad Qardhul Hasan Dalam Perspektif Ekonomi Syari’ah Di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Sagalaherang Kabupaten Subang
Abstract
Cooperatives are generally financial institutions that accept deposits and loans for financing, by collecting funds from their members which are then channeled back to members or the general public. This study aims to analyze the application of Qardhul Hasan financing in the perspective of Islamic Economics carried out at the At-Taqwa Mosque Prosperity Council Cooperative, Cicadas Village, Sagalaherang District, Subang Regency. Qardhul Hasan has the meaning of a good loan, the Qardhul Hasan product is a financing offer to customers that will be used for micro businesses, then members return installments according to the nominal borrowed at a predetermined time, and it is very important that we examine how the implementation of Qardhul Hasan in perspective Islamic economics, because lending and borrowing is one part of our lives in the world. This study aims to find out how the provisions and implementation of the Qardhul Hasan contract, the sharia economic perspective on the Qardhul Hasan contract and the impact of the Qardhul Hasan contract on the community. This type of research is qualitative using descriptive analysis method. Sources of data used include primary and secondary data. The results of the analysis show that the implementation of the Qardhul Hasan contract at the At-Taqwa Mosque Prosperity Council Cooperative in Cicadas Village is in accordance with Islamic law. This can be seen where the cooperative provides loans without any additional. In the Qardhul Hasan contract in Cicadas Village there is non-performing financing. the factors are, first, because of the lack of direction and guidance from the cooperative. Second, because of the negligence of the members themselves. The impact that members feel is very helpful for business capital costs, schools, health
References
Adnan, Muhammad Akhyar, and Firdaus Furywardhana. 2006. “Evaluasi Non Performing Loan (NPL) Pinjaman Qardhul Hasan (Studi Kasus Di BNI Syariah Cabang Yogyakarta).” Jurnal Akutansi dan Auditing Indonesia 10(2): 155–71.
Antonio, Muhammad Syafi’i. 2001. Bank Syariah Dari Teori Ke Praktik. Jakarta: Gema Insani Press.
Antonio, Muhammad Syafii. 2001. Bank Syariah: Dari Teori Ke Praktek. Jakarta: Gema Insani.
Arief, Yoyok Suyoto. 2012. “Akad Qordhul Hasan Sebagai Sarana Pelaksanaan CSR Pada Perbankan Syariah.” Ijtihad: Jurnal Hukum dan Ekonomi Syariah 6(2).
Arikunto, Suharsimi. 2013. Prosedur Penelitian Suatu Pendekatan Praktek. 1st ed. Jakarta: Rineka Cipta.
Az-zarqa, Az-zarqa, and Naning Nur Hidayah. 2018. 10 Az Zarqa’: Jurnal Hukum Bisnis Islam Infak Sebagai Program Pengurangan Ketergantungan Masyarakat Terhadap Rentenir (Studi Kasus Pada BAZNAS Kabupaten Ngawi). http://202.0.92.5/syariah/azzarqa/article/view/1739 (November 9, 2020).
Efendi, Rustam, and Boy Syansul Bakhri. 2018. “Konsep Koperasi Bung Hatta Dalam Perspektif Ekonomi Syariah.” AL-HIKMAH: Jurnal Agama Dan Ilmu Pengetahuan 15(1).
Faujiah, Ani. 2020. “Praktek Akad Qardhul Hasan Pada Bank Wakaf Mikro.” ACTIVA: Jurnal Ekonomi Syariah 3(1): 72–89.
Haeri. 2019. “Praktek Akad Qardhul Hasan Di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Sagalaherang Kabupaten Subang.”
Halilah, M. Syaikhul Arif Siti. 2019. “Kafalah Dalam Pandangan Islam.” Siyasah : Jurnal Hukum Tata Negara 2(2). www.ejournal.annadwahkualatungkal.ac.id (May 31, 2021).
Hamidah, Idah, Jalaludin, and Ahmad Damiri. 2019. “Analisis Tabungan Paket Lebaran Dalam Persfektif Ekonomi Syari’ah Di Desa Parung Kecamatan Subang Kabupaten Subang.” Eksisbank 3(2): 148–53.
Lestari, Rina. 2020. “Pelaksanaan Bagi Hasil Simpanan Dan Pembiayaan Mudharabah Di BMT Al-Amanah Cabang Subang.” EKSISBANK: Ekonomi Syariah dan Bisnis Perbankan 4(1): 32–38. http://www.journal.sties-purwakarta.ac.id/index.php/EKSISBANK/article/view/92 (October 28, 2020).
Ma’rifahYuliani. 2019. “Konsep Divisi Ekonomi Masjid Berbasis Teknologi Industri 4.0.” Jurnal Al Qardh 4(2): 99–114.
Muhamad Bisri Mustofa, and Mifta Khatul Khoir. 2019. “Qardhul Hasan Dalam Persfektif Hukum Islam Pada Baitul Maal Wa Tamwil (BMT) Dan Implementasinya.” At Taajir : Jurnal Ekonomi, Bisnis dan Keuangan Syariah 1(1): 44–58. http://journal.iai-agussalimmetro.ac.id/index.php/attaajir/article/view/27.
Muslich, Ahmad Wardi. 2010. Fiqh Muamalat. 1st ed. Jakarta: Amzah.
Purwadi, M. Imam. 2011. “Qardh Al-Hasan Dalam Perbankan Syariah : Konsep Dan Implementasinya Berdasarkan Prinsip Manfaat Bagi Pemberdayaan Masyarakat.” UNISIA: Jurnal Ilmu-ilmu Sosial 33(74): 141–54.
Qardhawi, Yusuf. 1993. Fatwa-Fatwa Kontemporer I. Jakarta: Gema Insani Press.
Rozalinda. 2016. Fikih Ekonomi Syariah Prinsip Dan Implementasinya Pada Sektor Keuangan Syariah. Jakarta: Raja Grafindo Persada.
Rukiah, Rukiah. 2019. “Implementasi Sifat Ta’awun Dalam Lembaga Keuangan Syariah Melalui Akad Al-Qardh.” Studi Multidisipliner: Jurnal Kajian Keislaman 6(1): 87–103. http://jurnal.iain-padangsidimpuan.ac.id/index.php/multd/article/view/1751.
Solekha, Yasmin Afnan, Alisa Qotrunnada Murdianah, Nofia Sri Lestari, and Rinda Asytuti. 2021. “Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep Dan Teori).” Velocity: Journal Of Sharia Finance And Banking 1(1): 44–58.
Supriyatni, Renny. 2006. Model Alternative Mediasi Syariah Dalam Penyelesaian Perbankan Syariah. Jakarta: Mitra Wacana Media.
Suryadi, Nanda, and Yusmila Rani Putri. 2018. “Analisis Penerapan Pembiayaan Qardhul Hasan Berdasarkan Psak Syariah Pada BMT Al Ittihad Rumbai Pekanbaru.” Jurnal Tabarru’: Islamic Banking and Finance 1(1): 37–50. https://journal.uir.ac.id/index.php/tabarru/article/view/2043.
Suskendariani, N N T. 2019. “Perlindungan Hukum Bagi Penerima Waralaba (Franchisee) Dalam Perjanjian Waralaba.” … Ilmu Sosial Dan Humaniora 2: 176–86. http://jayapanguspress.penerbit.org/index.php/ganaya/article/view/185.
Wijaya, Chusnul Pitaloka Kusuma. 2017. “Analisis Pembiayaan Qardhul Hasan Dalam Peningkatan Usaha Kecil Pada BMT Muamalat Jumapolo.” Institut Agama Islam Negeri Surakarta.
