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All Journal Imtiyaz : Jurnal Ilmu Keislaman Journal of Economics, Assets, and Evaluation
Putri Kumula Suksesiyah
STAI Muhammadiyah Tulungagung
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS KOOPERATIF GADUH TERNAK KAMBING MENURUT EKONOMI ISLAM DI KABUPATEN TULUNGAGUNG Putri Kumula Suksesiyah; Mei Santi
IMTIYAZ: Jurnal Ilmu Keislaman Vol. 8 No. 1 (2024): Maret
Publisher : LPPM STAI Muhammadiyah Probolinggo

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Abstract

The livestock rearing system, known as gaduh goats, is when capital owners or investors have goats and hand them over to other parties to care for them, and are given compensation in the form of profit sharing. In this research, researchers will examine the cooperative analysis of rowdy goat farming according to Islamic Economics in Pojok Village, Ngantru District, Tulungagung Regency. This research intends to analyze cooperative rowdy goat farming according to Islamic Economics. The method applied is a descriptive qualitative approach intended to analyze data in the form of words and images. The types of data processed are primary and secondary data. Primary data was collected directly in the field, namely through owners and breeders, while secondary data was obtained from books and online journals. Data collection applies observation, interview, and documentation techniques. The concept of profit sharing aims to organize partnerships to bear risks and obtain business results for both parties. In this system, there is no guarantee of fixed profits, and profits and losses are shared according to the initial agreement. This principle avoids the element of uncertainty that includes ordinary business risks, but not excessive uncertainty (gharar), which is not permitted in Islam. Risk management in this noisy system is by the principles of Islamic Economics, where future risks are borne by all parties. Keyword: Goat Rowing Practice, Cooperative, Profit Sharing.
Penyelesaian Pembiayaan Macet Pada Anggota Koperasi Simpan Pinjam Pembiayaan Syariah Baitut Tamwil Muhammadiyah Surya Madinah Tulungagung Bagus Ahmadi; Putri Kumula Suksesiyah; Mei Santi; Arif Nur’aini
Journal of Economics, Assets, and Evaluation Vol. 1 No. 1 (2023): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jeae.v1i1.74

Abstract

Cara penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah menggunakan asas kekeluargaan, dimana anggota yang terlambat membayar dihubungi terlebih dahulu dikonfirmasi mengapa terlambat dan kapan kesanggupan untuk membayar. Tetapi apabila anggota mangkir membayar hingga bulan ke 4 maka mulai saat itu pihak KSPPS BTM Surya Madinah bertindak tegas sesuai SOP yang ada. Kemudian cara yang terakhir jika tidak mau membayar sampai 4 bulan maka yang kita lakukan penarikan jaminan atau bahasanya biasanya titip jaminan ke kantor, lalu jika sudah bisa membayar akan kami kembalikan jaminan tersebut, apabila tetap tidak bisa membayar maka akan kita jual bersama jaminan tersebut. Penyelesaian pembiayaan macet pada KSPPS BTM Surya Madinah tersebut sudah sesuai dengan ketentuan DSN MUI No. 23/DSN-MUI/III/2002 dan OJK, SOP penyelesaian pembiayaan macet yang ada di KSPPS BTM Surya Madinah sebenarnya sudah sesuai dengan ketentuan DSN MUI dan OJK. Tetapi lagi-lagi belum bisa dilaksanakan sepenuhnya karena memang melihat kondisi dari anggota KSPPS BTM Surya Madinah. Toleransi–toleransi yang ada di lapangan masih tetap dipertahankan karena untuk menjaga keberlangsungan pembiayaan anggota. The method for resolving bad financing at KSPPS BTM Surya Madinah uses the kinship principle, where members who are late in paying are telephoned first to confirm why they are late and when they will be able to pay. However, if a member fails to pay until the 4th month, from then on the KSPPS BTM Surya Madinah will act firmly according to the existing SOP. Then the last way is if you don't want to pay for up to 4 months then what we do is withdraw the guarantee or the language is usually to leave the guarantee with the office, then if we can pay we will return the guarantee, if we still can't pay then we will sell it along with the guarantee. The resolution of bad financing at KSPPS BTM Surya Madinah is in accordance with the provisions of DSN MUI No. 23/DSN-MUI/III/2002 and OJK, the SOP for resolving bad financing at KSPPS BTM Surya Madinah is actually in accordance with the provisions of DSN MUI and OJK. But again, it cannot be implemented completely because it looks at the condition of the KSPPS BTM Surya Madinah members. Existing tolerances in the field are still maintained to maintain the continuity of member financing.
Co-Authors Arif Nur’aini Bagus Ahmadi Mei Santi