Penerapan Akad Al-Qardh Pada Koperasi Pojok Syariah Cileunyi Bandung Kesesuaiannya Dengan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia

Khotimah Damayanti (Universitas Koperasi Indonesia)
Rima Elya Dasuki (Universitas Koperasi Indonesia)
Nanang Sobarna (Universitas Koperasi Indonesia)

Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah
Vol. 4 No. 1 (2022): Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah

Al-Qardh is a type of loan given to parties who need assistance in urgent circumstances for a certain period of time without having to pay interest or profit. The loan of al-Qardh's contract is adjusted to the perspective of DSN-MUI Fatwa No: 19/DSN-MUI/IV/2001 concerning Al-Qardh. Therefore, this study aims to determine the application of the Al-Qardh contract, conformity to the perspective of DSN-MUI Fatwa No: 19/DSN-MUI/IV/2001, and to know the efforts made by the Koperasi Pojok Syariah to be in accordance with the fatwa perspective. The research method used is descriptive analysis with a qualitative approach through observation and also interviews with informants to be able to describe the mechanism for implementing the Al-Qardh contract. The results showed that the Koperasi Pojok Syariah generally implemented the Al-Qardh agreement in accordance with DSN-MUI Fatwa No: 19/DSN-MUI/IV/ 2001. However, there needs to be a stage that must be recommended in the contractual mechanism in the Al-Qardh contract loan.