SHARIA COMPLIANCE PRODUK SIMPANAN DI BAITUL MAAL WA TAMWIL (BMT) EL DANA MANFAAT

Amrullah Mart Ichi Nugroho, - (2018) SHARIA COMPLIANCE PRODUK SIMPANAN DI BAITUL MAAL WA TAMWIL (BMT) EL DANA MANFAAT. S1 thesis, Universitas Pendidikan Indonesia.

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Abstract

Sharia compliance dalam kehadirannya menjadi salah satu pembeda antara lembaga keuangan konvensional dan lembaga keuangan syariah, serta menjadi salah satu faktor majunya lembaga keuangan syariah dalam menciptakan inovasi pada produk atau jasa. Penelitian ini bertujuan untuk memperoleh gambaran, dan membuktikan secara empirik implementasi akad mudharabah dan wadiah pada berbagai produk simpanan di BMT El Dana Manfaat serta sharia compliance-nya berdasarkan dua indikator. Pertama, bebas maysir, gharar, riba, dan zhalim. Kedua, Fatwa DSN-MUI Nomor 02/DSN-MUI/IV/2000 Tentang ketentuan umum Tabungan berdasarkan akad mudharabah dan wadiah. Penelitian ini menggunakan metode deskriptif kuantitatif. Populasi dalam penelitian ini adalah anggota yang memiliki simpanan di BMT El Dana Manfaat yang berjumlah 417 orang. Teknik sampling yang digunakan adalah simple random sampling, dan sampel yang diambil sebanyak 42 anggota. Instrumen penelitian menggunakan kuesioner dan wawancara. Hasil penelitian menunjukkan bahwa implementasi akad mudharabah dan wadiah sudah dalam kategori baik, hal ini ditunjukkan dengan persepsi anggota melalui skor sebesar 76,10%. Persepsi anggota tersebut belum dapat menjamin tingkat sharia compliance BMT El Dana Manfaat, karena masih ada praktek riba. Di mana BMT El Dana Manfaat mendasarkan bagi hasil yang diberikan dengan mengkalikan persentase porsi bagi hasil dengan jumlah simpanan anggota. Penelitian ini memiliki implikasi penting bagi pihak BMT El Dana Manfaat untuk mengganti sistem bagi hasil yang sesuai syariah, juga mengoptimalkan keberadaan Dewan Pengawas Syariah (DPS) yang berperan dalam memastikan kepatuhan syariah dari setiap produk yang ditawarakan kepada masyarakat. ;---Sharia compliance in its presence becomes one of the differentiation between conventional financial institutions and sharia financial institutions, as well as one of the factors leading the Islamic financial institutions in creating innovation in products or services. This study aims to obtain a description, and empirically prove the implementation of mudharabah and wadiah contracts on various savings products in BMT El Dana Benefit and sharia compliance based on two indicators. First, free maysir, gharar, riba, and zhalim. Second, the DSN-MUI Fatwa Number 02 / DSN-MUI / IV / 2000 About the general provisions of Savings based on mudharabah and wadiah agreements. This research uses quantitative descriptive method. The population in this study are members who have deposits in BMT El Dana Manfaat amounting to 417 people. The sampling technique used is simple random sampling, and samples taken as many as 42 members. The research instrument used questionnaires and interviews. The results showed that mudharabah and wadiah contract implementation was in good category, this is indicated by the perception of members through score of 76.10%. Perceptions of such members have not been able to guarantee the level of sharia compliance BMT El Dana Manfaat, because there is still riba practice. Where BMT El Dana Manfaat basing profit sharing by multiplying the percentage of the profit-sharing share by the amount of member savings. This research has important implications for BMT El Dana Benefit to replace Sharia-compliant profit-sharing system, also optimize the existence of Sharia Supervisory Board (DPS) which plays a role in ensuring the compliance of sharia of every product that is offered to the public.

Item Type: Thesis (S1)
Additional Information: No. Panggil : S EKI AMR s-2018; Pembimbing : I. Arim; NIM. : 1301751.
Uncontrolled Keywords: Sharia compliance, simpanan, mudhrabah, wadiah, Fatwa DSN-MUI, Sharia compliance, deposits, mudhrabah, wadiah, Fatwa DSN-MUI.
Subjects: H Social Sciences > H Social Sciences (General)
H Social Sciences > HB Economic Theory
H Social Sciences > HC Economic History and Conditions
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User: Isma Anggini Saktiani
Date Deposited: 24 Jul 2019 02:57
Last Modified: 24 Jul 2019 02:57
URI: http://repository.upi.edu/id/eprint/36247

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