EMABELLA, RAHMAWATI (2023) PRAKTIK PELAKSANAAN SIMPANAN SUKARELA DI BMT DANA MULIA UTAMA ANDONG SURAKARTA BERDASARKAN FATWA NO.02/DSN-MUI/IV/2000 TENTANG TABUNGAN. S1 thesis, universitas Sultan Ageng Tirtayasa.
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Abstract
THE PRACTICE OF IMPLEMENTING VOLUNTARY SAVINGS AT BMT DANA MULIA UTAMA ANDONG SURAKARTA BASED ON FATWA NO.02/DSN-MUI/IV/2000 CONCERNING SAVINGS Emabella Rahmawati NIM. 1111180366 ABSTRACT BMT is an Islamic financial institution with an alternative banking system for Muslims who need or want to obtain banking services or services without having to violate the prohibition of usury which focuses its target market on small or micro�scale businesses, such as small traders or other small entrepreneurs. However, the BMT Dana Mulia Andong has a system that is not in accordance with the DSN MUI Fatwa Number 02/DSN-MUI/IV/2000 concerning Savings regarding sirela products which distribute bonuses or incentives that are required from the start. The identification of the research problem is whether the implementation of voluntary savings practices (sirela) at BMT Dana Mulia Utama Andong is in accordance with the Dsn Mui Fatwa Number 02/DSN-MUI/IV/2000 concerning Savings and Are savings from the implementation of Sirela savings products at BMT Dana Mulia Utama Andong can be useful in improving people's welfare. The research method used in the preparation of this thesis is a normative juridical method. Specifications of descriptive analytical research. The research approach used is a statutory approach and a case approach and then uses primary data sources and secondary data sources consisting of primary, secondary and non�legal (tertiary) legal materials. Data collection techniques carried out by the author in this study were through library research and interviews. Data analysis used qualitative techniques and was processed in a descriptive analytical manner. The theory used in this study is the theory of legal certainty and the theory of sharia economic law. The research result of this thesis is that BMT Dana Mulia Andong uses the al-wadiah contract system in sirela products (voluntary savings) but contradicts provisions 3 point 3 of the DSN MUI Fatwa Number 02/DSN�MUI/IV/2000. Suggestions for BMT Dana Mulia Andong must follow up on this problem because it can lead to deviating from the main objective of the BMT when it was founded, namely an Islamic financial institution intended for Muslims to obtain banking services or services without having to violate the prohibition of usury. Keywords: : BMT Dana Mulia Utama, Wadiah, Fatwa DSN MUI No.02/DSN�MUI/IV/200
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| Additional Information: | PRAKTIK PELAKSANAAN SIMPANAN SUKARELA DI BMT DANA MULIA UTAMA ANDONG SURAKARTA BERDASARKAN FATWA NO.02/DSN-MUI/IV/2000 TENTANG TABUNGAN Emabella Rahmawati NIM. 1111180366 ABSTRAK BMT merupakan Lembaga keuangan Syariah dengan sistem perbankan alternatif bagi umat islam yang membutuhkan atau ingin memperoleh layanan atau jasa perbankan tanpa harus melanggar larangan riba yang memfokuskan target pasarannya pada bisnis sekala kecil atau mikro, seperti pedagang kecil atau pengusaha kecil lainnya. Namun pada BMT Dana Mulia Andong ini memiliki sistem yang tidak sesuai dengan Fatwa DSN MUI Nomor 02/DSN-MUI/IV/2000 Tentang Tabungan mengenai produk sirela yang pembagian bonus atau insentif yang dipersyaratkan dari awal. Adapun identifikasi masalah penelitian ini ialah, Apakah pelaksanaan praktik simpanan sukarela (sirela) pada BMT Dana Mulia Utama Andong sesuai dengan Fatwa Dsn Mui Nomor 02/DSN-MUI/IV/2000 Tentang Tabungan dan Apakah tabungan dari pelaksanaan produk simpanan Sirela Di BMT Dana Mulia Utama Andong dapat bermanfaat meningkatkan kesejahteraan masyarakat. . Teori yang digunakan dala penelitian ini ialah teori kepastian hukum dan teori hukum ekonomi syariah. Metode penelitian yang digunakan dalam penyusunan skripsi ini metode yuridis normatif. Spesifikasi penelitian analitis deskriptif. Pendekatan penelitian yang digunakan adalah pendekatan perundang�undangan dan pendekatan kasus lalu menggunakan sumber data primer dan sumber data sekunder yang terdiri dari bahan hukum primer, sekunder dan bahan non hukum (tersier). Teknik pengumpulan data yang dilakukan penulis dalam penelitian ini adalah melalui studi kepustakaan dan wawancara. Analisis data yang digunakan teknik kualitatif dan diolah secara deskriptif analitis. Hasil penelitian dari skripsi ini ialah BMT Dana Mulia Andong menggunakan sistem akad al-wadiah dalam produk sirela (simpanan sukarela) namun bertentangan dengan ketentuan 3 butir 3 Fatwa DSN MUI Nomor 02/DSN-MUI/IV/2000. Saran bagi BMT Dana Mulia Andong harus menindak lanjuti permasalahan tersebut karena dapat menyebabkan melencengnya tujuan utama dari awal BMT ini didirikan yaitu Lembaga keuangan Syariah yang diperuntukkan umat muslim agar memperoleh layanan atau jasa perbankan tanpa harus melanggar larangan riba. Kata kunci : BMT Dana Mulia Utama, Wadiah, Fatwa DSN MUI No.02/DSN�MUI/IV/2000 | |||||||||
| Uncontrolled Keywords: | Kata kunci : BMT Dana Mulia Utama, Wadiah, Fatwa DSN MUI No.02/DSNMUI/IV/2000 Keywords: : BMT Dana Mulia Utama, Wadiah, Fatwa DSN MUI No.02/DSNMUI/IV/200 | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum |
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| Depositing User: | Miss Emabella Rahmawati | |||||||||
| Date Deposited: | 16 Mar 2023 11:47 | |||||||||
| Last Modified: | 16 Mar 2023 11:47 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/22422 |
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