Tinjauan Fiqh Muamalah Terhadap Akad Pembiayaan Qardh di KSPPS BMT Mandiri Sejahtera Jawa Timur Cab. Blimbing Bagi Pelaku Usaha Mikro di Pasar Blimbing Paciran Lamongan

Abstract

In qardh financing agreements, Islamic financial institutions are prohibited from taking advantage of qardh financing contracts because qardh contracts in Islam are included in the tabarru contract category and not for profit or profit but are intended as social contracts that have a function as a contract for helping each other. One of them is in the qardh financing agreement at Kspps BMT Mandiri Sejahtera, East Java Cab. Blimbing which has administrative costs or administrative deductions at the beginning of the financing disbursement proces. The purpose of this research is the first to find out qardh financing practices while the second is to find out the muamalah fiqh study of qardh financing contracts at KSPPS BMT Mandiri Sejahtera, East Java Cab. Blimbing. In this study using research methods with the type of field research (field research) with an empirical approach with a descriptive nature. The data source used in this study is a primary data source obtained from researchers by conducting interviews with informants by meeting face to face. While secondary data obtained from journals, books and articles that have relevance to the object of research.The results of this study indicate the implementation of the qardh financing contract at Kspps BMT Mandiri Sejahtera East Java Cab. Blimbing cannot directly get qardh financing, but previously it must become a member first and must go through the stages determined by the BMT. According to fiqh muamalah, loan transactions at Kspps BMT Mandiri Sejahtera, East Java Cab Blimbing to their customers contain elements of usury or are not in accordance with the qardh financing agreement.

Keywords: Qardh Financing Contract, Fiqh Muamalah