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All Journal At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam
Apriliyani, Virastuti
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Journal : At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam

 1 
Pengalihan Akad Pada Pembiayaan Multijasa Di KSPPS Marhamah Wonosobo Apriliyani, Virastuti
At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam Vol 1 No 1 (2022): At-Ta’awun: Jurnal Mu’amalah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59579/atw.v1i1.2701

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.
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