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Kasmiah Kasmiah
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Economics, Econometrics & Finance

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ANALISIS MEKANISME PENGGUNAAN AKAD RAHN DALAM TRANSAKSI GADAI SAWAH MENURUT PERSPEKTIF HUKUM ISLAM DI DESA POLENGA KECAMATAN WATUBANGGA KABUPATEN KOLAKA Lilis Antiani; M. Zakariah; Kasmiah Kasmiah
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The practice of pawning rice fields in the people of Polenga Village, Watubangga District, Kolaka Regency. The mechanism shows that there are several things that are considered burdensome and can harm one of the parties who have contracted. Therefore, the author will examine the practice of pawning that occurs in the people of Polenga Village, Watubangga District, Kolaka Regency, by analyzing problems regarding the perspective of Islamic law on the mechanism of pawning practice, as well as the use of rice fields which are used as collateral for pawning.The main problem in this research is how the mechanism of implementing land pawning (rice fields) in the community of Polenga Village, Kec. Watubangga ?, and what is the perspective of Islamic law on the implementation of pawning land (rice fields) in the people of Polenga Village, Watubangga District ?. The purpose of this study is to determine the implementation mechanism of the pawn practice and the perspective of Islamic law on the pawning mechanism.The research method used includes the type of research in the form of qualitative research, and the data sources of this study are the pawker (rahin) and the pawning recipient (murtahin). Furthermore, the data collection methods used were observation, interviews, documentation and literature study, then the processing and analysis techniques used were descriptive qualitative.The results showed that the pawning system in Polenga Village generally pawned (rahin) came to the pawnshop recipient (murtahin) to borrow money to meet their needs with rice fields as collateral. The right to control or use the rice fields is in the hands of the pawning recipient until the debt is paid off. The right to cultivate is still in the hands of the pawner, but the results are divided in 2 between rahin and murtahin. Debt payment has a time limit for 2 harvests, but if it is due but the pledge is not able to pay the money, the tempo has not been determined anymore so that it can cause the pawning contract to drag on. If viewed from the point of view of implementation the contract has met the pillars and conditions of the pawn The practice of pawning which is carried out indefinitely with the use of rice fields as collateral is fully controlled by the pawn recipient is not valid according to Islamic law.
EFEKTIVITAS PENERAPAN KEBIJAKAN RESTRUKTURISASI DALAM MENGATASI PEMBIAYAAN BERMASALAH DI PT. BANK MUAMALAT INDONESIA TBK. KCP KOLAKA Husnul Khatimah; Kasmiah Kasmiah
Jurnal Ekonomi Bisnis Syariah Vol 3 No 2 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Abstract

In the current era of globalization, many people have used this credit loan to help their lives. However, in terms of payments that must be paid by the customer at the time agreed upon by the bank, there are often arrears. This causes bad credit. Bad credit or non-performing financing is a common problem in the banking world. This can be seen from the many ways of handling non-performing financing. One of them is restructuring. The formulation of the problem in this research is what factors cause problem financing, how is the implementation of restructuring policy in overcoming problem financing, and how is the effectiveness of implementing restructuring policy in overcoming problematic financing at PT. Bank Muamalat Indonesia Tbk. KCP Kolaka? The research objectives are to find out what factors cause problem financing, to know the implementation of restructuring policies in overcoming Problem Financing, and to find out how effective the implementation of restructuring policies in overcoming problematic financing at PT. Bank Muamalat Indonesia Tbk. KCP Kolaka. The research method used includes qualitative research with a descriptive approach, this research was conducted at the office of Bank Mamalat Kcp Kolaka from October to December. The data sources are managers and employees as primary data and documents from Bank Muamalat as secondary data, using interview and documentation data collection techniques. The collected data is analyzed and then concluded to facilitate the reader. The results of this study indicate that financing problems are caused by two factors, the bank's internal factors and the customer's external factors. The policy of providing restructuring for problematic customers is given when the customer is in a 2C collectibility condition, namely the substandard class, where the customer has failed to pay for three months. The effectiveness of the implementation of this restructuring is very effective. This can be seen from the history of customers in helping customer problems.
Co-Authors Hartono Hartono Husnul Khatimah Lilis Antiani M. Zakariah Muh irfan