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All Journal Islamic Circle Jurnal Manajemen, Akuntansi, Ekonomi
Siregar, Resi
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Religion Economics, Econometrics & Finance

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PENANGANAN JAMINAN DALAM PEMBIAYAAN BERMASALAH DI BMT BERINGHARJO YOGYAKARTA (TINJAUAN ETIKA BISNIS DALAM PERSPEKTIF ISLAM) Siregar, Resi
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 1 No. 3 (2023): Jurnal Manajemen, Akuntansi, Ekonomi (Januari)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.69 KB) | DOI: 10.59066/jmae.v1i3.215

Abstract

BMT Beringharjo merupakan BMT yang mengusai pasar Beringharjo. Yogyakarta. Ada beberapa kasus etikad tidak baik dari mitra yang memberikan jaminan dalam produk pembiayaan di BMT Beringharjo Yogyakarta, diantaranya seorang nasabah yang menjaminkan BPKB, ternyata ketika melakukan eksekusi jaminan, pihak BMT Beringharjo tidak menemukan sepeda motor tersebut di rumah si nasabah, ternyata motor tersebut tidak ada, seorang nasabah yang memberikan jaminan berupa “cek kosong”, ketika akan melakukan eksekusi jaminan ternyata cek tersebut adalah kosong, kasus yang sering terjadi adalah seorang nasabah yang memanipulasi data. Misalnya seorang mitra yang memberikan jaminan BPKB motor yang sudah kadaluwarsa, ada lagi seorang nasabah yang menjaminkan BPKB mobil, ketika akan melakukan eksekusi ternyata kepemilikan mobil tersebut belum balik nama. Dengan kata lain bukan milik mitra sepenuhnya. Penanganan yang dilakukan oleh BMT Beringharjo adalah BMT Beringharjo akan menganalisis penyebab permasalahan pembiayaan melalui evaluasi ulang. Banyaknya karakter nasabah yang menerima pembiayaan, Penanganan BMT Beringharjo terhadap nasabah yang memberikan jaminan dengan etikad tidak baik masih lebih banyak diselesaikan secara musyawarah daripada secara litigasi. Berdasarkan penanganan dari pihak BMT Beringharjo apabila dikorelasikan dengan etika bisnis yaitu dengan melihat aspek produk, transaksi, dan penanganan terhadap nasabah yang memberikan jaminan dengan etikad tidak baik di BMT Beringharjo, maka dari beberapa produk BMT Beringharjo sudah sesuai dengan ketentuan lembaga keuangan syariah, dan produk tersebut tidak mengandung kecurangan dan penipuan dalam kualitas barang dan kuantitasnya, serta relasi yang tercipta adalah bisnis yang baik dan bersikap amanah.
Upah Penggilingan Padi Di Desa Pangkat Kecamatan Lembah Sorik Marapi Kabupaten Mandailing Natal Dalam Kajian Al ‘Urf Siregar, Resi; Hamdanil; Siti Hawa
Islamic Circle Vol. 5 No. 1 (2024): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v5i1.1943

Abstract

In Islamic law, it has been stipulated that a contract is considered valid if it is carried out by mukallaf and there must be clarity from the side of the contract and known by both parties so that no one is harmed. This research is a descriptive field research, the analysis of data sources comes from field research. The sample of this study is rice mill owners, rice mill employees and the community that grinds rice, data collection is used by observation, interview and documentation methods at the research site. Data processing is carried out using data editing and systematization techniques. The results of the research in taking wages for rice milling in Prank Village, Sorik Marapi Valley District use a payment system using rice and this has become a habit. In the billing of wages, sacks are taken as many as 6 muk/sacks, and the practice of wages is carried out by following the customs and customs carried out in Prank village, Sorik Marapi Valley, Mandailing Natal Regency, have met the requirements and are in harmony in wages. However, it would be better if it fulfilled the provisions of the principles in the contract, including the absence of an agreement on wage collection and non-transparency of rice milling services, unilateral wage determination that was not witnessed between the service user and the service owner.
Upah Penggilingan Padi Di Desa Pangkat Kecamatan Lembah Sorik Marapi Kabupaten Mandailing Natal Dalam Kajian Al ‘Urf Siregar, Resi; Hamdanil; Siti Hawa
Islamic Circle Vol. 5 No. 1 (2024): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v5i1.1943

Abstract

In Islamic law, it has been stipulated that a contract is considered valid if it is carried out by mukallaf and there must be clarity from the side of the contract and known by both parties so that no one is harmed. This research is a descriptive field research, the analysis of data sources comes from field research. The sample of this study is rice mill owners, rice mill employees and the community that grinds rice, data collection is used by observation, interview and documentation methods at the research site. Data processing is carried out using data editing and systematization techniques. The results of the research in taking wages for rice milling in Prank Village, Sorik Marapi Valley District use a payment system using rice and this has become a habit. In the billing of wages, sacks are taken as many as 6 muk/sacks, and the practice of wages is carried out by following the customs and customs carried out in Prank village, Sorik Marapi Valley, Mandailing Natal Regency, have met the requirements and are in harmony in wages. However, it would be better if it fulfilled the provisions of the principles in the contract, including the absence of an agreement on wage collection and non-transparency of rice milling services, unilateral wage determination that was not witnessed between the service user and the service owner.
Co-Authors hamdanil Hamdanil Hamdanil Siti Hawa