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All Journal Wikrama Parahita : Jurnal Pengabdian Masyarakat Al-Muzara'ah Tadbir Muwahhid NISBAH: JURNAL PERBANKAN SYARIAH JURNAL SYARIKAH : JURNAL EKONOMI ISLAM QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JURNAL PENA EDUKASI Jurnal Iqtisaduna ALMUJTAMAE: Jurnal Pengabdian Masyarakat Journal Islamic Economics Ad Diwan Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Tanfidziya: Journal of Arabic Education Bandung Conference Series : Syariah Banking Jurnal Riset Perbankan Syariah Journal of Islamic Economic Scholar AL - KAFF: JURNAL SOSIAL HUMANIORA Journal of Indonesian Management
Imam Abdul Aziz
Universitas Djuanda
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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Journal : Journal Islamic Economics Ad Diwan

 1 
PERAN AKAD KAFALAH DALAM PRODUK PEGADAIAN SYARIAH TERHADAP IMPLEMENTASI PENJAMINAN DAN MITIGASI RISIKO Umi Kulsum, Siti; Pangestu, R. Ali; Abdul Aziz , Imam
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 3 No 2 (2024): Ad Diwan
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v3i2.748

Abstract

problematic financing (bad credit) for customers due to the death of customers and customers whose businesses go bankrupt, resulting in losses for the Sharia Pawnshop, Margonda Depok Branch, as the guarantor of the financing.This research aims to determine the implementation of the contract, determine the implementation of the kafalah contract at the Margonda Depok Branch Sharia Pawnshop and to determine the role of the kafalah contract in transaction guarantees, identify the risks that arise in the kafalah contract and the extent of its contribution in mitigating risks for customers and pawnshops.The type of research used in this thesis is descriptive qualitative research with a case study approach. The analytical tool used is the Miles and Huberman model. The results of this research show that 1) The implementation of the kafalah contract in Pegadaian Syariah products, Margonda Depok Branch is running in accordance with fatwa No.11/DSN-MUI/VI/2000 concerning kafalah and its application is in micro financing products. 2) The role of the kafalah contract in guaranteeing transactions on sharia pawnshop products is to provide guarantees for payment of customer debts in the event of default or inability to pay debts and help prevent both parties involved from losses and injustice, mitigating risks in products that use the kafalah contract from the pawnshop. customers to Pegadaian Syariah Margonda Branch, namely: (a) regular monitoring, (b) backing up data digitally, (c) early identification of customer data, (d) socialization, (e) making binding agreements
Co-Authors Abdul Kholik Adi Rahmannur Ibnu Adi Rahmannur Ibnu Adil Muthi Tsani Adnen Bait Sabila Afiatin Dewi Agung Muttaqien Agus Mulyana Aldi Wijaya Aldi Wijaya Alya Amani Andri Brawijaya Asri Seftianti Aulia Putri Hidayat Ba’dana, Fatulloh Nur Chailis, Irwan Citra Lestari, Ghefira Danika, Disty Cahya Didin Syamsuddin Ega Trisna Rahayu Farra Diba Maulida Malik Fauziah, Fitria Ramadhani Febriyanti Cahyaningtias Firmasyah, Ilham Harvenes Chandra Hermawan Hermawan Irda Febriani Jannah, Rifa Ul Junaidi Junaidi Khoer, Miftahul KHOIRUNNISA Komarudin Agung Suhara Kurnia, Tuti Kurnia, Tuti Latifah, Zahra Khusnul Lilis Fauziah Balgis Lisda Khoirunisa Ma'mun, Muhammad Sukron Maulana Syarif Maya Apriana Maya Apriyana Metti Paramita Muhamad Komarudin Muhammad Amin Muhammad Najialah Mujahidah, Khansa Hanifah Nur Fadhilah Nur Hidayah Agustin Nurhidayah Agustin Nurika, Yeni Nurwahidin Nurwahidin Nyntyas Nurul Inayah Octaviana Delia Putri Pangestu, R. Ali Putri, Ade Muliya R. Arya Rahmadiyatmaka Raka Imam Rachmawan Ramadhani, Tengku Rahmah Ramadhanti, Anisa Reni Sulastri Reza, Bagas Ali Ricky Firmansyah Rifqi Syahlendra Rismaya Rismaya Rizaldi, Muhammad Rizki Umar Ali Rizki Umar Ali Romi Apriliansyah Romi Apriliansyah Sahlan Hasbi Samsu Karim Sormin Siti Nurhaliza Siti Nurhasanah Siti Saadah Siti Zuraedah Rahmah Sopiandi, Muhammad Dani Tengku Rahmah Ramadhani Tuti Kurnia Umi Kulsum, Siti Widiaty, Retno Wildan Munawar Wildan Munawar Yulia, Eva Yunita Rahayu Zahra Khusnul Lathifah Zuraedah Rahmah, Siti