TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP TRANSAKSI SIMPAN PINJAM PADA BADAN USAHA MILIK DESA BERSAMA (Studi Kasus BUMDESMA Suko Makmur Campurdarat Tulungagung)

AGNES MAHMUD ALFANY, 128502203003 (2022) TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP TRANSAKSI SIMPAN PINJAM PADA BADAN USAHA MILIK DESA BERSAMA (Studi Kasus BUMDESMA Suko Makmur Campurdarat Tulungagung). [ Thesis ]

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Abstract

ABSTRACT Thesis with the title “Review of Sharia Economic Law on Savings and Loan Transactions in Village-Owned Enterprises Joint (Case Study of BUMDESMA Suko Makmur Campurdarat Tulungagung written by Agnes Mahmud Alfany, Department of Sharia Economic Law, Postgraduate UIN Sayyid Ali Rahmatullah, NIM. 128502203003 with guidance from Dr. Kutbuddin Aibak, S. Ag., M. H. I and Dr. H. Asmawi, M. Ag. This research is motivated by a phenomenon that exists in the Joint Village Owned Enterprise (BUMDESMA) "SUKO MAKMUR" especially the savings and loan transaction process. Where the researcher aims to review the operational savings and loan transactions that have been applied in BUMDESMA with savings and loan transactions according to sharia economic law. Likewise, something abstract is concreted with the object of the problem so that problem solving can be taken and can be applied. The research focuses of this study include: 1) How is the process of saving and loan transactions at BUMDESMA "SUKO MAKMUR" Campurdarat sub-district, Tulungagung district?, 2) How is the review of Islamic economic law on savings and loan transactions at BUMDESMA "SUKO MAKMUR" Campurdarat sub-district, Tulungagung district?. The results showed that: 1) The savings and loan transaction process at BUMDESMA "SUKO MAKMUR" Campurdarat has established procedures to be followed. In addition, in the savings and loan transaction process there are additional and rewards. The existence of additional loans does not prevent group members from taking loans. It is proven by the length of time they make loans ranging from 8-10 years. The existence of rewards (IPTW/Timely Payment Incentives) and social assistance (social assistance) makes savings and loan transactions at BUMDESMA “SUKO MAKMUR” Campurdarat perform the role of helping (tabarru') and helping fellow human beings to create a harmonious atmosphere, 2) According to reviews Sharia economic law operating savings and loans at BUMDESMA "SUKO MAKMUR" Campurdarat can be said to have led to sharia. Both from the terms and conditions that have been set. It's just that the language is still conventional, such as savings and loan transactions, not using an al-qardh contract. Key: Badan Usaha Milik Desa Bersama (BUMDESMA), Savings and Loans, Sharia Economic Law.

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