Mahmudatus Sa’diyah, Asep Gugun Gumilar, E. Susilo
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引用次数: 1
摘要
本研究的目的是考察叙利亚小额信贷机构(LKMS)在耶帕拉摄政区的混合合同是否符合伊斯兰教法。这种类型的研究是一种实地研究,采用内容分析的方法;不把数据解释为一系列的物理事件,而是作为象征性的症状来揭示文本中包含的意义,以及对所呈现信息的理解。选择的研究对象是Jepara Regency的BMT,该公司采用合同和独特的混合产品,即BMT Mitra Muamalah (Mitramu)拥有产品“Gold Pawn”,BMT Harapan Bersama (HARBER)拥有产品“Musyarakah Mutanaqishah”(MMq)。Rahn的合同由BMT Mitra Muamalah Jepara运营,符合DSN-MUI法特瓦号:25 / DSN-MUI / III / 2002和法特瓦DSN-MUI号:26 / DSN-MUI / III / 2002。在合作主体内部和外部监督薄弱的情况下,混合合同在实地的执行容易出现偏差,陷入“里巴”。
Sharia Hybrid Contract Compliance of Islamic Microfinance Institutions in Jepara Regency
The purpose of this study was to examine the sharia compliance of the Hybrid Contract of the Syriah Microfinance Institution (LKMS) in Jepara Regency. This type of research is a Field Research, using a content analysis approach; to interpret data not as a series of physical events, but as symbolic symptoms to reveal the meaning contained in a text, and the understanding of the message presented. The research object selected was BMT in Jepara Regency which applies contract and unique hybrid products, namely BMT Mitra Muamalah (Mitramu) which has the product "Gold Pawn" and BMT Harapan Bersama (HARBER) which has a Musyarakah Mutanaqishah (MMq) product. The results showed that the Musyarakah Mutanaqishah (MMq) financing agreement at BMT Harapan Bersama (HARBER) Jepara was in accordance with the DSN-MUI fatwa NO: 73 / DSN-MUI / XI / 2008. Rahn's contract which is run by BMT Mitra Muamalah Jepara is in accordance with the DSN-MUI Fatwa Number: 25 / DSN-MUI / III / 2002, and Fatwa DSN-MUI Number: 26 / DSN-MUI / III / 2002.. Weak internal and external supervision at Cooperative entities, the implementation of hybrid contracts in the field is prone to deviations and falling to "Riba".