Analisis Penyelesaian Kredit Macet di PNPM-Mandiri: Studi di Desa Mersam, Provinsi Jambi
DOI:
https://doi.org/10.30631/iltizam.v7i2.1945Keywords:
Bad Credit, National Community Empowerment Program (PNPM), Sharia Economic LawAbstract
Bad credit is a condition where the customer or debtor is unable to pay his debts at a predetermined time as promised at the beginning of the credit agreement. The problem that occurs is where the disbursed PNPM funds should be used for productive loans or business capital. However, in reality in Mersam Village, Kab. Batanghari Province. Jambi PNPM funds are used by some people for personal needs, causing bad credit, where customers are unable to pay installment payments every month because the funds borrowed are only used for personal needs. This study aims to find out: 1) How to settle bad loans at PNPM Mersam Village, Kab. Batanghari Province. Jambi; 2) How is the settlement of bad loans at PNPM Desa Mersam Kab. Batanghari Province. Jambi from the perspective of Sharia Economic Law. This research is a qualitative research type of empirical legal approach, the types and sources of data used are primary and secondary data. The collection of data used is interviews and documentation. Based on the research conducted, the results of the interviews and the conclusion were obtained that the resolution of bad loans was carried out by PNPM by means of family deliberations and giving an extension of time (rescheduling). In terms of Sharia Economic Law, efforts to settle bad loans in Mersam Village are not contrary to Islamic law, but instead they carry out Islamic law rules in dealing with bad loans that occur in Mersam Village.
References
Abdul Madjid, Pokok-Pokok Fiqh Muamalah dan Hukum Kebendaan dalam Islam, Bandung: 1986.
Ahmad Azhar Basyir, Hukum Islam, Utang-Piutang, Gadai, Jakarta: PT. Raja Grafindo Persada,2000.
Alfina Rahmatun Nida, "Analisis Kredit Macet dan penanganannya: Perspektif Hukum Ekonomi Syariah,” Almuamalat: Jurnal Ilmu Hukum & Ekonomi Syariah, Vol.6 No.2 Edisi: 2.
Devita Arifiani, "Penanganan Kredit Macet Pada PT. BPR Sejahtera Artha Sembada Mranggen”, Skripsi Universitas Semarang, (2022).
Ghufron A. Mas'adi, Fiqh Muamalah Kontekstual, Jakarta: Raja Grapindo Persada, 2002.
Heni Chayun Chasanah, "Pengaruh Kredit Macet dan Penyaluran Kredit Terhadap Profibilitas Perbankan (Studi Pada PT. Bank Rakyat Indonesia (PERSERO) TBK Kanca Blitar),” Skripsi Universitas Islam Negeri Maulana Malik Ibrahim, (2016).
http://repository.radenfatah.ac.id/10394/2/BAB%20II.pdf diakses pada tanggal 17 Februari 2023.
https://repository.radenfatah.ac.id/10394/2/BAB%2011.pdf diakses pada tanggal 23 Januari 2023
https://repository.uin-suska.ac.id diakses pada tanngal 21 Januari 2023
Khairul Gazali, Konsep Berhutang dalam Islam, Kuala Lumpur: Progressive Publishing House, 2009.
Lia Pratiwi Wahyuningtyas, "Penyelesaian Kredit Macet Pada Akad Murabahah Perspektif Hukum Ekonomi Syariah (Studi Kasus Bank Aman Syari'ah (BAS) Sekampung)”, Skripsi IAIN Metro, (2019).
M. Aqim Adlan, "Penyelesaian Kredit Macet Perbankan Dalam Pandangan Islam Tinjauan Regulasi Kasus Kredit Macet akibat Bencana Alam”, Jurnal AN-NISBAH, Vol. 02, No. 02, (April 2016 ).
Mahmoedin, Melacak Kredit Bermasala, Jakarta: Pustaka Sinar Harapan, 2010, Cetakan Pertama.
Maizi Fariza, "Penyelesaian Kredit Macet Pada Bank PD. BPR Rohan Hilir cabang Kubu”, Skripsi Universitas Islam Sultan Syarif Kasim Riau, (2013).
Maskufa, "Penyelesaian Sengketa Perjanjian Syariah Pada Lembaga Keuangan Syariah”, Al-Iqtishad, Vol V, No.1, (Januari 2013).
Muhammad Yasid dan Risha Ramayanti, "Upaya Penyelesaian Kredit Bermasalah Pada Lembaga Perbankan”, Jurnal Darma Agung, Vol. XXVII No. 3 (Desember-2019).
Petunjuk Teknis Operasional Program Nasional Pemberdayaan Masyarakat Mandiri Perdesaan.
Sukmadi dan Sudrajat, Mengajukan dan Mengelola Kredit Usaha Tani, Jakarta: Penebar Swadaya, 1994.
Downloads
Published
Issue
Section
License
Copyright (c) 2023 ILTIZAM Journal of Shariah Economics Research
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
