PANDANGAN MASYARAKAT DESA LUBUK LANCANG KECAMATAN SUAK TAPEH KABUPATEN BANYUASIN TERHADAP PROGRAM PEMINJAMAN UANG MELALUI PROGRAM NASIONAL PEMBERDAYAAN MASYARAKAT MANDIRI PER-DESAAN MENURUT HUKUM EKONOMI SYARIAH - Septiani, Septiani; Fauziah, Fauziah; Surya, Yono (Muamalah, 2020)
Abstrack In an effort to advance the economy of the community, the government is doing a lot of economic programs. One of the efforts made by the government by establishing a National Community Empowerment Program (PNPM) Mandiri in Rural Areas, one of which is a special lending activity for women's groups in general aims to develop the potential of lending activities. This research method is Field Research. Data collection techniques used in this study use field studies, literature studies and documentation. The problem in this study about, how is the view of the Lubuk Lancang Village Community in Suak Tapeh District, Banyuasin Regency Against Borrowing of Money through the National Community Empowerment Program (PNPM) Mandiri, and the Review of Sharia Economic Law Against (PNPM) Independent Companies in Lubuk Lancang Village Suak Tapeh District, Banyuasin Regency. The results of this study according to sharia economic law review borrowing money through the National Program for Community Empowerment (PNPM) Mandiri Village in Lubuk Lancang Village, Suak Tapeh District, Banyuasin Regency. Borrowing funds is included in the category of riba Nasi'ah, that is, someone who lends or exchanges goods or money to pay later, which is accompanied by interest, and if it is late paying, the interest is also (Interest rate). Keywords: borrowing, debts, usury ABSTRAK Dalam upaya memajukan perekonomian masyarakat, pemerintah banyak melakukan program-program perekonomian. Salah satu upaya yang dilakukan pemerintah dengan cara mendirikan lembaga Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Perdesaan, salah satunya yaitu kegiatan peminjaman khusus untuk kelompok perempuan secara umum bertujuan untuk mengembangkan potensi kegiatan peminjaman uang. Metode penelitian ini bersifat Field Research. Tehnik pengumpulan data yang digunakan dalam penelitian ini menggunakan studi lapangan, studi kepustakaan dan dokumentasi. Permasalahan dalam penelitian ini tentang, bagaimana Pandangan Masyarakat Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin Terhadap Peminjaman Uang Melalui Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Per-desaan, dan Tinjauan Hukum Ekonomi Syariah Terhadap (PNPM) Mandiri Per-Desaan Di Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin. Adapun hasil dari penelitian ini menurut tinjauan hukum ekonomi syari‟ah peminjaman uang melalui Program Nasional Pemberdayaan Masyarakat (PNPM) Mandiri Per-desaan di Desa Lubuk Lancang Kecamatan Suak Tapeh Kabupaten Banyuasin. Peminjaman dananya termasuk dalam kategori riba Nasi‟ah yaitu seseorang yang meminjamkan atau menukarkan barang atau uang bayar kemudian yang disertai bunga dan jika terlambat membayar disertai bunga pula (Bunga berbunga). Kata Kunci: Peminjaman, Hutang-Piutang, Riba