Pengalihan Akad Pada Pembiayaan Multijasa Di KSPPS Marhamah Wonosobo

At-Ta'awun Pub Date : 2022-04-18 DOI:10.59579/atw.v1i1.2701
Virastuti Apriliyani
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Abstract

Financing in KSPPS Marhamah Wonosobo in avoiding non-performing financing carried out credit rescue through restructuring actions by transferring contracts in multi-service financing with ijarah contracts to rahn tasjily (extending the installment period according to the agreement). Therefore, how is the transfer of contracts in multi-service financing to the settlement of non-performing financing at KSPPS Marhamah Wonosobo. This type of research uses qualitative research methods and has a field research type. Based on the research conducted, KSPPS Marhamah Wonosobo in transferring contracts in multi-service financing with the aim of, firstly, to overcome non-performing financing in multi-service financing that has matured and there are still remaining principal costs by intensive billing and restructuring of financing by transferring contracts in multi-service financing with an ijarah contract, the second is based on the analysis of Islamic law, namely the DSN MUI Fatwa No.44/DSN-MUI/VIII/2004 concerning Multiservice Financing, the second is the DSN MUI Fatwa No.112/DSN-MUI/2017 concerning the Ijarah contract. Based on the rules set to minimize the risk of non-performing financing, what is done is transferred to a rahn tasjily contract based on the DSN MUI Fatwa No. 68/DSN-MUI/III/2008 concerning Rahn Tasjily.    
在避免不良融资方面,KSPPS Marhamah Wonosobo通过重组行动,将多服务融资合同与ijarah合同转让给rahn(根据协议延长分期付款期限),开展了信贷救助。因此,如何将多服务融资合同转移到KSPPS Marhamah Wonosobo的不良融资结算。这种类型的研究采用定性研究方法,具有实地研究类型。基于所进行的研究,KSPPS Marhamah Wonosobo在多服务融资中转移合同的目的是,首先,通过密集计费和重组多服务融资中转移合同与ijarah合同的融资,以克服多服务融资中已经成熟且仍有本金成本的不良融资,其次是基于伊斯兰法的分析;即DSN MUI Fatwa No.44/DSN-MUI/VIII/2004关于多业务融资,第二个是DSN MUI Fatwa No.112/DSN-MUI/2017关于Ijarah合同。根据为尽量减少不良融资风险而制定的规则,所做的事情将根据DSN MUI关于rahn tasjily的第68/DSN-MUI/III/2008号法令转移到rahn tasjily合同。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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