PENDEKATAN MAQASHID AL-SYARI’AH DALAM PRAKTIK PEMBIAYAAN DI KOPERASI PETERNAK SAPI BANDUNG UTARA (KPSBU) LEMBANG

Authors

  • Ade Iskandar Nasution STIBANKS Al-Masoem, Indonesia

DOI:

https://doi.org/10.15575/as.v21i1.4036

Keywords:

maqashid syariah, mudharabah, cooperative products

Abstract

Abstract: The chairman of KPSBU took a solution in Annual Member Meeting to eliminate interest on their loan product in order to reduce bad loans and complies the concept of sharia cooperation. This research analyzed whether the maqâshid syarî'ah has been applied and become a solution to their problems. With descriptive-analytic methods, this research comes to the conclusions that KPSBU Lembang has been implements the maqâshid syarî'ah with dharûrriyat, hajiyat and tahsiniyat principles. Through the maqâshid syarî'ah implementation on financing/loan products, customers receive waivers since there is no loan interest, but the customer/member payment is based on profit sharing from the milk sale.

 Abstrak: Ketua Koperasi Peternak Sapi Bandung Utara (KPSBU) Lembang mengambil solusi dalam Rapat Anggota Tahunan (RAT) untuk menghilangkan bunga pada produk pinjaman dengan harapan dapat menekan tingkat kredit macet, sejalan dengan konsep koperasi secara syari’ah. Penelitian ini mencoba untuk menganalisis apakah nilai-nilai maqâshid al-syarî’ah telah diterapkan dengan baik dan menjadi solusi bagi masalah yang dihadapi. Dengan metode deskriptif analitis, penelitian ini menunjukkan kesimpulan bahwa KPSBU Lembang sudah menerapkan maqâshid al-syarî’ah dalam prinsip dharrû­riyat, hajiyat dan tahsiniyat. Melalui penerapan maqâshid al-syarî’ah pada produk pem­biaya­an/ pinjaman, nasabah memperoleh keringanan. Karena tidak dikenakan bunga atas pinjaman, melainkan bagi hasil berdasarkan hasil penjualan susu dari nasabah kepada koperasi

References

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Published

2019-07-23

How to Cite

Nasution, A. I. (2019). PENDEKATAN MAQASHID AL-SYARI’AH DALAM PRAKTIK PEMBIAYAAN DI KOPERASI PETERNAK SAPI BANDUNG UTARA (KPSBU) LEMBANG. Asy-Syari’ah, 21(1), 31–38. https://doi.org/10.15575/as.v21i1.4036

Issue

Vol. 21 No. 1 (2019): Asy-Syari'ah

Section

Articles

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