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All Journal el hisbah: Journal of Islamic Economic Law
Hediati, Teti
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Strategi Penyelesaian Pembiayaan Bermasalah di KSPPS BMT Bahtera Pekalongan Afifah, Rahmatul; Hediati, Teti; Mubarok, Rizqon
el hisbah Journal of Islamic Economic Law Vol 1 No 2 (2021)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v1i2.622

Abstract

Loss of Financing at KSPPS BMT Bahtera Pekalongan since 2021 has counted 75 customers with problems. Some Efforts have been made to deal with problematic financing at KSPPS BMT Bahtera Pekalongan. However, many customers are still experiencing financing problems. Therefore, the authors are interested in studying the Problem Financing Resolution Strategy. The approach used in this research is a qualitative approach, namely research procedures that produce descriptive data in the form of case studies, the type of research is in the form of case studies. The results of this study are the problematic financing factors, namely the presence of internal and external factors. There are 2 factors that cause financing. The first factor is the lack of good understanding of the customer's business and internal factors, namely the lack of customer financial evaluations and others. The second factor, namely the external factor of the negligence of members to pay installments or procrastination, the natural factors that are currently happening, namely the Covid-19 disaster and others. The strategy for resolving non-performing financing is notification by telephone or cellphone, giving billing letters, rescheduling, extending the term, extending the installment period, re-conditioning, rearranging, confiscation of guarantees and executing guarantees, and the last strategy is not to do anything. cooperation with problematic members for the long term, and must be careful in selecting prospective members of the BMT.
Penarikan Uang Kembalian sebagai Donasi Prespektif Hukum Ekonomi Syariah Qutronnada, Arriza; Kholil, Makrum; Hediati, Teti
el hisbah Journal of Islamic Economic Law Vol 2 No 1 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v2i1.716

Abstract

This article examines the withdrawal of change as a donation to the Retail Franchise at Alfamart Kebonsari Petarukan Pemalang. His writing was inspired by the fact that Alfamart's management had difficulty in providing second change, so the policy was to choose change into donations. The problem is how to practice withdrawing money as a donation, how and how to practice withdrawing money from the perspective of Sharia Economic Law. This research uses an approach approach other than that the data sources used are primary and secondary data sources, primary data sources are direct data sources obtained by interview and observation techniques while the primary data sources in this study are sellers, buyers, cashiers. While secondary data sources are obtained from other sources such as books, journal articles, and other information that will be discussed by researchers as supporters. With an approach approach, the results of the study show that: the practice of withdrawing change as a donation at the Retail Franchise at Alfamart Kebonsari Petarukan Pemalang is carried out voluntarily, without coercion from consumers; and the amount generated is very large, because it is distributed to the poor, so withdrawal of change as a contribution in Economic Law is allowed because it is suitable for worship.
Co-Authors Afifah, Rahmatul Kholil, Makrum Mubarok, Rizqon Qutronnada, Arriza