PENANGANAN WANPRESTASI PADA PEMBIAYAAN MURABAHAH DI BMT KARIMAA POLANHARJO KLATEN DALAM PERSPEKTIF HUKUM ISLAM
| Main Authors: | Wisnu, Saputra, Dr., M. Usman, S.Ag., M.Ag. |
|---|---|
| Format: | Thesis NonPeerReviewed Book |
| Bahasa: | eng |
| Terbitan: |
, 2017
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| Subjects: | |
| Online Access: |
http://eprints.iain-surakarta.ac.id/480/1/5.Wisnu%20Saputra.pdf http://eprints.iain-surakarta.ac.id/480/ |
Daftar Isi:
- ABSTRACT Wisnu Saputra. (122111030), HANDLING OF DEFAULTH ON THE FINANCING MURA>BAH}AH IN BMT KARIMAA KLATEN IN THE PERSPECTIVE OF ISLAMIC LAW. Thesis Departement of Islamic Ekonomics Laws, Faculty of Syaria IAIN Surakarta, January 13, 2017. Baitul Maal Wa Tamwil (BMT), also called cooperative sharia, an Islamic financial institution that serves to collect and distribute funds to its members and usually operate on a micro scale. BMT is also known as a type of Islamic financial institutions first to be developed in Indonesia. BMT is composed of two terms, namely Baitulmaal and Baitultamwil. Baitulmaal is a term for organizations that play a role in collecting and channeling funds non-profit organizations, like charity, donation, and alms. Baitultamwil a term organization to collect and distribute funds commercially. One of the products BMT is mura>bah}ah, a sale and purchase agreement where the seller or the bank stating the cost of sales and profits to the buyer or customer and has been agreed by both parties that do contract. In practice, there are financing problems in mura>bah}ah in BMT, the troubled financing is one of the major risks that are in both the banking world that conventional banks, Islamic banks, cooperatives or BMT. One consequence is no financing hull partially or completely. The greater the financing problems that will adversely affect the health levels of liquidity BMT. This study included a qualitative study that describes the type of field research as well as describing the situation and the phenomenon clearer picture of the situation that occurred and the reference comes from the field, which explored incentives accompanied by analysis and realignment of all the data or the reference has been collected. And in this study focused on handling of defaulth on the financing mura>bah}ah in BMT Karimaa Polanharjo, Klaten in the perspective of Islamic law. In Islamic law there are some rules of dispute resolution is through some procedures, namely: peace (as}-s}ulh}u), arbitration (at-tah}kim), and/or the court (al- qadda). Handling of Default on Mura>bah}ah at BMT Karimaa Klaten With approaches through personal, familial, or through third parties concerned, Inviting debtor / customer to come to the office, to do Resceduling or rescheduling or by creating a new contract. Then give a Warning Letter (SP) SP either 1, 2, 3, 4, 5 and 6 for customers who are in default. If the six ways are not successful then the auction will be held collateral or make good the litigation track of the Religious Court and District Court. Keywords: Handling, Financing Problems, Mura>bah}ah