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All Journal International Journal of Evaluation and Research in Education (IJERE) Tasamuh: Jurnal Studi Islam Al-Riwayah: Jurnal Kependidikan Qalam: Jurnal Ilmu Kependidikan POINT AL-FIKR: Jurnal Pendidikan Islam Transformasi : Jurnal Kepemimpinan dan Pendidikan Islam TASAMUH: Jurnal Studi Islam Al-Riwayah : Jurnal Kependidikan Al-Qisthu: Jurnal Kajian Ilmu-Ilmu Hukum Muadalah : Jurnal Hukum Journal of Quality Assurance in Islamic Education (JQAIE) Journal of Pedagogy and Education Science ROUTERS: Jurnal Sistem dan Teknologi Informasi Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Pendidikan Dasar At-Thariqah Jurnal Ekonomi
Suharmoko, Suharmoko
Institut Agama Islam Negeri Sorong
Religion Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Penerapan Sistem Tanggung Renteng dalam Kelancaran Pembayaran Kredit Nasabah Perspektif Ekonomi Islam: Studi Pada Permodalan Nasional Madani (PNM) Mekaar Cabang Aimas Sorong Irlenia Febryanty Irawan; Suharmoko Suharmoko; Rokhimah Rokhimah
At-Thariqah: Jurnal Ekonomi Vol. 2 No. 2 (2022): Jurnal Ekonomi
Publisher : Prodi Ekonomi Syariah IAIN Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47945/at-thariqah.v2i2.750

Abstract

This study aims to determine the application of the joint responsibility system used in the launch of credit payments, to determine the costumer credit payment process and to determine the Islamic economic perspective regarding the joint responsibility system. The method used in this study is a qualitative apporoach, with the type of research used is Field Research. Methods of data collection is done by the process of observation, interviews and documentation. In testing the validity of the data the author uses two steps, namely observation and triangulation to obtain facts that actually occur. The results pf this study concluded that: the implementation of the joint responsibility system used was carrid out properly in accordance with the applicable rules and agreements, this was evidenced by the costumer group members applying the joint responsibility system if there were group members who did not pay instalments. The costumer credit payment process is carried out by means of the group members homes. The Islamic economic perspective regarding the financing of joint responsibility is in accordance with the concept of kafalah, namely the principle of kafalah bi al-mal which forms an agreement to work together and be responsible between fellow costumers of group members, to bear with each other using personal assets in the form of money between one member and member other if there is arrears by one of the members in terms of returning the financing credit.
Co-Authors Abdul Aziz Abdul Aziz Agus Yudiawan Ahmadi Ahmadi Andi Hasrun Arum, Muhamad Yumaizar Ayuningsih, Baiq Septia Bambang Sunatar Budi Sunarso Bunyamin Bunyamin Bunyamin Bunyamin Darnanengsih, Darnanengsih Dian Resha Agustina Fatma Sari Gay, Aprilia Hasbiah Hasbiah, Hasbiah Hasbullah Hasbullah Hidayat, Arrofi Irlenia Febryanty Irawan Khusnul Khotimah khusnul khotimah La ode Obi Mahu, Fijrinia Miftahulfadlik Dabamona Misnariah Idrus Muhammad Hendra Nur Wahidah Putri Putri, Putri Rokhimah Rokhimah Wasiba, Wasiba Wiwin Susanty Yuthsi Aprilinda