TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK SISTEM TANGGUNG RENTENG PADA KOPERASI YANG MENGGUNAKAN POLA SIMPAN PINJAM METODE KUMPULAN (PSPMK) di PT. PNM MEKAAR CABANG MARIANA

Abstract

ABSTRACTThis research is entitled Review of Sharia Economic Law of the Practice of theLiability System in Cooperatives at PT. PNM Mekaar Mariana Branch has two things thatare the focus of the study. First, how is the practice of the joint responsibility system by thecooperative for each member who uses the Collection Method of Savings and Loans(PSPMK) at PT. PNM Mekaar Mariana Branch ?; and second, how is the review of ShariaEconomic Law of the joint responsibility system by the cooperative for each member whouses the Collaborative Savings and Loans Method (PSPMK) at PT. PNM Mekaar MarianaBranchThis type of research is field research (field research) with data collectiontechniques through interviews and qualitative descriptive data analysis. Based on theanalysis of the data, it is concluded that inductive conclusions can be drawn in accordancewith the problem formulation. This type of research used by the author in this thesis is touse the type of field research (field research) where the data source is obtained from theresults of field data management which is closely related to the title of this thesis. Thetypes and sources of data in this study are qualitative data, namely in the form ofdescriptions of ideas and opinions that come from interviews, regarding data collectiontechniques, namely by using interviews by asking respondents directly related to thisthesis. By conducting these interviews, which were then analyzed and concluded, severalopinions were obtained regarding the practice of the joint responsibility system for savingsand loans using the Collaborative Savings and Loans Method (PSPMK).The results of the study concluded that 1) the Tanggung Renteng System in thecooperative at PT. PNM Mekaar Mariana Branch system of joint responsibility is anagreement that targets people with middle to lower economies and the PT. PNM Mekaar(Permodalan Nasional Madani Fostering a Prosperous Family Economy), this cooperativesavings and loan group is based on groups of as many as 10 members in one group, in thecooperative at PT. PNM Mekaar Mariana Branch implemented a Renteng Liability Systemwith the aim of smooth installments and has been enforced since the inception of one of theBUMN products which later became the responsibility of the group; 2) Review of IslamicEconomic Law on the Renteng System at PT. PNM Mekaar Mariana Branch has fulfilledthe requirements and the harmonious conditions that have been enforced are also a meansof helping and mutual cooperation for fellow members in the group and creating disciplinethat is felt to be clear in guaranteeing installments and for the smooth running of thetogether because it provides more benefits than harm.Keywords: Sharia Economic Law, Responsibility System Practices, Cooperative