PELAKSANAAN SIMPAN PINJAM PADA KOPERASI JASA KEUANGAN SYARI’AH BAITUL MAAL WAT TAMWIL (BMT) ANDURING KOTA PADANG

Abstract

ABSTRACT Cooperative is a business entity that consists of individuals or legal entities with the bases cooperative activities based on the principle of cooperation as well as people's economic movement based on the principle of kinship. Islamic Financial Services Cooperative is a cooperative whose business is engaged in financing, investment, and savings in accordance pattern of results (sharia). KJKS BMT specifically regulated by Decree of the Minister of Cooperatives and Small and Medium Enterprises No. 91 / Kep / M.KUKM / IX / 2004 on Guidelines for the Implementation of Cooperative Financial Services Business Activity Shariah. The problems discussed are: 1) Implementation of the savings and loan KJKS BMT Anduring Padang. 2) Constraints in the implementation of the savings and loan KJKS BMT Anduring Padang. This type of research is juridical sociological. Data used include primary data and secondary data. Data were obtained through interviews and document study. The collected data were analyzed qualitatively. From the results of this research is the implementation of the savings and loan KJKS Anduring BMT using murabaha contract. Lack of understanding and awareness of the cooperative members who borrow on KJKS BMT and the lack of human resources at BMT KJKS Anduring city of Padang. Keywords: Implementation, Akad, Cooperative, Syari'ah