Hasan Financing Research Articles

PERAN LEMBAGA BMT ALMAUN BERKAH MADANI DALAM PEMBEBASAN NASABAH DARI RENTENIR

This study aims to find out the role of BMT Almaun Berkah Madani in assisting the customers from the trap of moneylenders. This BMT is also expected to reduce the anxiety of some people who have financial limitations. This research approach is qualitative and using case study strategies. Data collection techniques were using direct observation in the fieldwork. Based on the results, this study found that the financing procedure at BMT Almaun Berkah Madani uses qardhul hasan financing funds. Customers get qardhul hasan funds a number of debts to money lenders. With the system, the customer places a guarantee on one of the assets owned, pays the principal installments to the BMT, and is obliged to become a member of the BMT. Thus the role of BMT with its financing products has a significant influence on improving the welfare of people who have financial limitations and helps to alleviate debts to moneylenders.Keywords: Role, BMT, Moneylenders, Qardhul Hasan Financing

Peran Pembiayaan Syariah Terhadap Pengembangan UMKM: Studi Pada Pengusaha Emping Melinjo di Kabupaten Pandeglang

The Role of Sharia Financing for the Development of MSMEs: A Study of Emping Melinjo Enterpreneurs in Pandeglang District. Islamic finance is one of the programs owned by Islamic banking to play and develop its financial assets, especially to finance the real sector such as MSMEs. The types of Islamic finance itself are diverse, ranging from mudaraba, musharaka and so on. However, an understanding of the types of Islamic financing and their uptake still tends to ocuur in urban areas that are still lagging behind, such as Pandeglang Regency are still inadequate, while the SME sector emping gums a lot and mushroomed in the area. This research uses descriptive qualitative method with Miles and Huberman data analysis models. This research is oriented to find out the type of Islamic financing that is of interest by emping melinjo enterpreneurs in Pandeglang Regency, factors that influence the choice of financing and capital management of Islamic financing by emping melinjo enterpreneurs in Pandeglang Regency. The results of this study are the types of financing provided to emping melinjo enterpreneurs in Pandeglang district, namely murabahah and qardhul hasan, factors influencing the selection of these financing are because both of the financing are considered easier and simpler, besides qardhul hasan financing is more profitable because the entrepreneur doesn’t need add margin to the lender for the principal funds lent.

PEMBERDAYAAN LEMBAGA KEUANGAN SYARIAH DALAM MENINGKATKAN PERAN INKLUSI KEUANGAN

With a large number of unbanked people in Indonesia, innovative access to Financial Inclusion is needed. Financial inclusion activities that aim to eliminate all forms of obstacles both in the way of prices and non-prices of public access to use or utilize financial services. Community Service - PKM, this time aims to increase the role of the financial services sector, especially to the owners, top management, and employees of several LKMS (Sharia Microfinance Institutions) - Sharia Rural Banks (BPRS), as executors or performers of financial activities inclusive which will have an impact on improving the welfare of the dhu'afa community, poverty alleviation and regional / regional economic development. This PKM is followed by the owner, top management, and employees of BPRS members as ASBISINDO - Indonesian Sharia Bank Association located in Greater Jakarta. The method used is to provide training through lectures, discussions, and questions and answers, then carried out focus group discussions and the distribution of questionnaires. The results show that the quality and speed of sharia banking services must continue to be improved, among others, by developing reliable and adaptive information technology. To accelerate the development of Islamic financial inclusion, it can be done by establishing a micro waqf bank or working together with Micro Sharia Financial Institutions (LKSM) such as Baitul Mal Wattamwil (BMT) or Islamic financial services cooperatives (KKJS), while maintaining prudential principles. BPRS is expected to continue to develop and monitor the implementation of Islamic financial inclusion through microfinance without collateral, qardhul hasan financing, or joint liability through group leaders or financing thaharah for low-income people.Keywords: Financial Inclusion, Unbanked - no bank account, LKMS - Islamic Microfinance Institution, Financial Services.

Empowerment of Small Businesses through The Implementation of Qardhul Hasan Financing

The research aims to describe Qardhul Hasan financing and recognize the problems faced in micro businesses in the city of Malang. The study was conducted on two research objects. The first study was on a used motorcycle dealer business that received Qardhul Hasan during the 2016-2018 period. The second study in 2019, was the implementation of Qardhul Hasan in small-scale creative economy traders, whose source of funding came from 2.5 percent of profits from used motorcycle dealers. The results showed that the implementation of Qardhul Hasan financing was quite profitable. Qardhul Hasan who is allocated to the creative economy group indicates a feeling of happiness and calm because loan repayments are not burdened with costs, besides having flexibility from the time of repayment. Economic actors managed to collect savings from repaying loan installments. Qardhul Hasan funding received a reasonably good response from economic actors. Qardhul Hasan loan recipients should be able to maintain trust and uphold the agreements that have been built. This study has implications for the development of Qardhul Hasan, namely strengthening the concept of Qardhul Hasan as loan financing, and strengthening groups for small businesses to run the Qardhul Hasan management mechanism JEL Classification: D14, Q21, G51

QARDHUL HASAN DALAM PERSFEKTIF HUKUM ISLAM PADA BAITUL MAAL WA TAMWIL (BMT) DAN IMPLEMENTASINYA

Abstract
 In the implementation of Islamic Financial Institutions such as the Baitul Maal wa Tamwil (BMT) there are various ways of collecting funds and channeling funds. Funds are collected through wadi'ah deposits and deposits. While the distribution of funds is done by murabahah, mudharabah, musyarakah, rahn (pawn), ijarah, ijarah multijasa and qardhul hasan financing. Qardhul Hasan's financing is the orientation of the function of the Islamic Financial Institution (Baitul Maal Wa Tamwil) as a social institution. Qardhul hasan is a soft loan given on the basis of mere social obligations. In this case the borrower is not required to return anything except the amount borrowed. In Qardhul Hasan financing there are pillars and conditions, namely the perpetrator of the contract consisting of muqtaridh (borrower), muqridh (lender), qardh (fund), shighat ijab and qabul willingness for both parties and funds used for something useful and lawful. Qardhul Hasan is an activity to achieve a predetermined goal or target by the relevant Islamic financial institutions. The mechanism for implementing Qardhul Hasan is solely aimed at providing assistance to meet the needs of small communities. Thus it can be seen that the form of borrowing through Qardhul Hasan is in accordance with the principles of sharia economic law, the potential source of Qardhul Hasan's funding is quite large if it is utilized and managed optimally and its implementation is very useful for the community. 
 Keywords: Qardhul Hasan, Islamic Law, BMT

Analisis Perkembangan Usaha Kecil Menengah (UKM) Setelah Mendapatkan Pembiayaan Gardhul Hasan dari BMT Mandiri Sejahtera Karangcangkring Jawa Timur Cabang Campurejo

Small and Medium Enterprises (SMEs) in Campurejo in buying and selling activities are still difficult to sell various types of fish, vegetables and also fruits in large quantities. On average, each fish seller can only sell 2 or 3 types of fish, as well as vegetable and fruit sellers. Seeing the problems of the development of SMEs that still lack further attention, this development research was carried out. This research is a development research, which aims to develop the development of SMEs after obtaining Qordhul Hasan financing, especially fish, vegetable and fruit traders. The formulation of this research consists of: 1) How is the Management Model of Small and Medium Enterprises (SMEs) in the Campurejo village market. 2) How is the development of small and medium enterprises after getting Qordhul Hasan financing from BMT Mandiri Sejahtera Campurejo. This study uses a qualitative research type using a descriptive approach. The results of this study are to determine: 1. Small and Medium Enterprises (UKM) Management Model in the Campurejo village market, which include: a) To trade fish in the small traders market does not require a lot of capital, because most small fish traders only requires market land rent of Rp. 150,000, - per month, and every day there is still another withdrawal of Rp. 2,000, - / day. And money to buy merchandise in the form of the fish. b) To buy vegetables every day it is only around Rp. 90,000, - to Rp. 120,000, -. Meanwhile, to buy fruit, they spend around IDR 1,000,000/purchase.2. The development of small and medium enterprises after obtaining financing from Qordhul Hasan from BMT Mandiri Sejahtera Campurejo, which include: a) Small and Medium Enterprises (SMEs), selling fish business. This business can continue to run smoothly in trading and buying and selling fish in the market. Before applying for financing, Qordhul Hasan earned a net profit of Rp. 50,000 after doing the financing to Rp. 80,000. b) Small and Medium Enterprises (SMEs), businesses selling vegetables. These businesses can continue to run smoothly in trading and buying and selling vegetables in the market. Before applying for financing, Qordhul Hasan earned a net profit of Rp. 100,000 after doing the financing to Rp. 150,000.

Efektifitas Pembiayaan Qarḍul Ḥasan Bagi Perkembangan Usaha Mikro Pada Baitul Maal Al-Amin, Kedungkandang, Kota Malang

This study aims to analyze two things: first, the effectiveness of qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang for Micro, Small and Medium Business Development (known as UMKM). Second, to know the impact of qardhul hasan financing for micro business development at Kedungkandang. This research using case study approach with the method of data collection is an interview, observation and documentation. While data analysis is qualitative data analysis technique using Miles and Huberman’s model. The results of this study indicate that qardul hasan financing in Baitul Maal Al-Amin at Kedungkandang is quite effective with the fulfillment of measurement of several indicators such as usability, accuracy and objectivity, scope, accountability, cost effectiveness, and timeliness. In addition, qardul hasan financing in Baitul Maal Al-Amin has a significant impact for micro business development at Kedungkandang with the growth of sales turnover which is seen from the income and the growth of custome, even though the growth of local labor and the expansion of the place are has low significant impact.

Pendistribusian Dana Zakat Infak Sedekah (ZIS) untuk Pemberdayaan Masyarakat Studi Kasus BMT Amanah Ummah Sukoharjo

This study aims to determine: 1) The position of Baitul Mal at BMT Amanah Ummah 2) Model of financing BMT Amanah Ummah for the dhuafa (poor people). 3) Distribution of ZIS funds for community empowerment in BMT Amanah Ummah. This method of research used descriptive qualitative approach. This research was conducted in BMT Amanah Ummah Sukoharjo in June until August 2016. The subject of the study was Amil treasury of BMT Amanah Ummah. Informants were Baitul Mal employees and mustahiq. Method of collecting data was done by observation, interview and documentation. The results of this study, namely, 1) The separation of management between Baitul Mal and Baitul Tamwil. The Baitul Mal of BMT Amanah Ummah has its own manager and management. 2) Model of financing for the dhuafa at the Baitul Mal of BMT Amanah Ummah is to use qardhul hasan financing agreement, in the form of revolving fund used to finance or develop dhuafa’s bussiness. 3) The distribution of funds of Zakat Infak and Sedekah (ZIS) at Baitul Mal BMT Amanah Ummah is allocated to programs of empowerment, health, education and charity. A larger portion of fund is allocated to the development programs.

PENGARUH KEBIJAKAN PEMBIAYAAN DALAM MENINGKATKAN KINERJA KEUANGAN PERBANKAN SYARIAH: STUDI EMPIRIS PADA PERBANKAN SYARIAH DI INDONESIA

The development of Islamic banking in Indonesia is characterized by rapidly increasing assets, third party funds, and financing. Islamic banks as financial intermediaries are required to be able to distribute the funds in the form of financing to communities who need of funds. Due to the funding provided is supposed to increase bank profits. The purpose of this study is to analyze and examine the role of financing decisions to financial performance on Islamic banking. In this study the financial performance measured by return on equity (ROE) and Net Profit Margin (NPM) as the dependent variable, while the independent variables are cinsist of mudharaba financing (MUD), Musharaka financing (MUS), murabaha financing (MUR), Ijara financing (IJR), and qordul hasan financing (QORD). We also use firm size as a control variable. Samples in this study were eight islamic banks in Indonesia. We use multiple regression analyzes with the aid program as E-views, with a significance level of 5%. The results showed that variable of musharaka financing, murabaha financing, and firm size have a significant effect on profitability. While variable of mudaraba financing, ijara financing and qord financing no significant effect on islamic bank performance.

Financial Determinants of Qardhul Hasan Financing Growth: Evidence from Islamic Banks in Indonesia

The purpose of this paper is to investigate the financial factors that determine the growth of qardhul hasan financing in the sharia banks in Indonesia. We employ financial ratios such as Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Net Interest Margin (NIM), Operational Cost to Operational Income (BOPO), Return on Asset (ROA) and Return on Equity (ROE) to explain the growth of qardhul hasan during 2011 to 2014. This paper utilizes the fixed effect model and the random effect model to provide empirical evidences. The empirical result demonstrates that Non-Performing Financing (NPF), Net Interest Margin (NIM), Return on Asset (ROA) and BOPO have significance relationship to the qardhul hasan financing. The finding shows that the growth of qardhul hasan financing in sharia banks is influenced by financial ratios of NIM, NPF, BOPO and ROA. This finding adds important evidence to the existing research on qardhul hasan financing in sharia banks.

The Impact of Qardhul Hasan Financing Using Zakah Funds on Economic Empowerment (Case Study of Dompet Dhuafa, West Java, Indonesia)

Poverty has been one of the major economic issues that have been troubling in Indonesia for decades. This study intends to investigate whether the Qardhul Hasan Financing through Sinergi of Dompet Dhuafa in West Java, Indonesia, as zakah managing organization, is able to improve the recipients’ Economic Empowerment. The statistical results of the study show that the Qardhul Hasan Financing implemented by the organization is able to improve Economic Empowerment.