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MENELISIK MAKNA PEMBIAYAAN QARDHUL HASAN DAN IMPLEMENTASINYA PADA PERBANKAN SYARIAH DI INDONESIA

Jurnal Keuangan dan Perbankan: Volume 20, Nomor 1, Januari 2016
Journal from JIPTUNMERPP / 2017-10-02 10:12:37
Oleh : Falikhatun ; Yasmin Umar Assegaff ; Hasim, Diploma 3 of Banking and Finance Merdeka University Malang
Dibuat : 2016-01-01, dengan 0 file

Keyword : Interpretative Phenomenology Analysis, Muqridh, Qardhul Hasan
Url : http://drive.google.com/file/d/0B0uNqoBLtJGvcW15Q0Z6cXAxdG8/view?usp=sharing

Banking in Indonesia. The paradigm used in this study is interpretive paradigm with a phenomenological approach. The methods of data collection are in-depth interviews, observation, and documentation, while the analysis taken is Interpretative Phenomenological Analysis (IPA) and SyarÂ’i Analysis. Interpretative Phenomenology Analysis (IPA) result shows that according to the understanding Muqridh, Qardhul Hasan has diverse meanings, namely Qardhul Hasan defined as loans and also interpreted as charitable. It is stated in the financing of implementation Qardhul Hasan is done in two ways: Productive Loan and Social Fund. Furthermore, according to the data presented in the Financial Statements of Islamic Banking, Qardhul Hasan funding comes from three sources, namely Non-Halal Funds, Fines, and Infaq Sadaqah. It is not accordance with Islamic law because the mix of funds derived from activities that are kosher and non-kosher (Makruh even the possibility haram). To the solution offered is to change the paradigm by providing a correct understanding of the financing Qardhul Hasan is as charitable, and merge the Non-Halal Funds and Penalties as Corporate Social Responsibili (CSR) Funds. Suggestion of this research is mainly proposed for (1) more Islamic banks to develop financing models Qardhul Hasan are more varied, and (2) for subsequent researchers in order to develop research related to Hasan Qardhul contribution to alleviate poverty in Indonesia.

Deskripsi Alternatif :

Banking in Indonesia. The paradigm used in this study is interpretive paradigm with a phenomenological approach. The methods of data collection are in-depth interviews, observation, and documentation, while the analysis taken is Interpretative Phenomenological Analysis (IPA) and SyarÂ’i Analysis. Interpretative Phenomenology Analysis (IPA) result shows that according to the understanding Muqridh, Qardhul Hasan has diverse meanings, namely Qardhul Hasan defined as loans and also interpreted as charitable. It is stated in the financing of implementation Qardhul Hasan is done in two ways: Productive Loan and Social Fund. Furthermore, according to the data presented in the Financial Statements of Islamic Banking, Qardhul Hasan funding comes from three sources, namely Non-Halal Funds, Fines, and Infaq Sadaqah. It is not accordance with Islamic law because the mix of funds derived from activities that are kosher and non-kosher (Makruh even the possibility haram). To the solution offered is to change the paradigm by providing a correct understanding of the financing Qardhul Hasan is as charitable, and merge the Non-Halal Funds and Penalties as Corporate Social Responsibili (CSR) Funds. Suggestion of this research is mainly proposed for (1) more Islamic banks to develop financing models Qardhul Hasan are more varied, and (2) for subsequent researchers in order to develop research related to Hasan Qardhul contribution to alleviate poverty in Indonesia.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiDiploma 3 of Banking and Finance Merdeka University Malang
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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  • Editor: Wiwik Supriyanti, Dra. SS.