ANALISIS PENERAPAN PEMBIAYAAN QARDHUL HASAN DI BMT ISLAM ABDURRAB KOTA PEKANBARU
Abstract
This study aims to determine how the implementation of qardhul hasan financing in terms of the source of funds, the procedure for distributing the financing, and the utilization of the funds applied at BMT Islam Abdurrab Pekanbaru. This study used descriptive qualitative method. Data collection techniques that researchers use in the form of interviews, observation and literature study.
The results of this study indicate that the implementation of Qardhul Hasan financing at BMT Islam Abdurrab Pekanbaru is in accordance with the Fatwa of DSN MUI No.19/DSN-MUI/IV/2001. The Qardhul Hasan financing funds began to be distributed in 2018. The source of the Qardhul Hasan financing funds came from principal deposits and member mandatory deposits. Meanwhile, the Qardhul Hasan financing procedure is basically the same as other financing procedures. It’s just that there are slight differences that lie in the requitments and size of the assessment. The BMT Islam Abdurrab conducts an assessment of the Qardhul Hasan financing members using the 5C analysis principle, namely character, capacity, capital, colleteral, and condition od economy. With this Qardhul Hasan financing, it can help members who are in difficuly by providing short-term bailout funds and not making it difficult for members to apply for financing.
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