Pembiayaan Qardul Hasan Prespektif Fatwa DSN MUI Nomor 19/DSN-MUI/IV/2001

الملخص

Qardul hasan financing is an orientation towards the function of Baitul Maal wat Tamwil as a social institution. Qardul hasan is a soft loan that is given solely on the basis of social obligations. In this case the borrower is not required to return anything except the amount borrowed. In this financing, there are pillars and conditions that must be fulfilled, namely the contract actors consisting of muqtarid (borrower), muqrid (lender), qard (funds), and shigat, namely the consent and qabul of the willingness of both parties and the funds are used for something useful and halal. The aim of this research is to determine the implementation of qardul hasan financing at BMT Artha Salam. This research method uses a qualitative approach. Data collection techniques through observation, interviews and documentation, followed by data analysis using the Miles and Huberman model. The research results show that the implementation of qardul hasan financing is carried out by filling out a form attaching a photocopy of KTP (husband and wife), photocopy of family card and marriage certificate. After that, BMT Artha Salam assessed the qardul hasan financing members using 5C analysis, namely character, capacity, capital, collateral and condition of economy. Furthermore, the funds submitted will be disbursed after approximately 3 days and loan refunds will be made once a month. The implementation of qardul hasan financing is not in accordance with the MUI DSN Fatwa because the distribution target is only distributed to BMT Artha Salam Banjarnegara employees, even though it does not violate Islamic law.