TANGGUNG JAWAB PENGURUS KOPERASI TERHADAP PENGEMBALIAN DANA MUDHARABAH PADA KOPERASI JASA KEUANGAN SYARIAH BAITUL MAAL WAT-TAMWIL RAWANG
Abstract
ABSTRAK
KJKS BMT Rawang is one of the institutions of the Islamic financing of reciprocity and provide loan funds to communities in the form of Mudharabah financing, which in practice much happening the financing problem. The issues examined are 1) what are the causes of the occurrence of the financing problematic on KJKS BMT Rawang?, 2) how does the action and settlement efforts undertaken Caretaker KJKS BMT Rawang when members do the financing trouble?, 3) what are the obstacles that arise in addressing the financing problematic on KJKS BMT Rawang?. This research is a kind of sociological, juridical research data used the primary data and secondary data gathering techniques, used interviews and study documents. Of the research obtained the following results: 1) the causes of the occurrence of the financing problematic on KJKS BMT Rawang: internal factors, human resources from employees is still weak, the closeness of the family, lack of thoroughness in analyzing financing recipients. External factors, the attempt fails, the lack of good itikat, urgent needs. 2) actions and settlement efforts in the troubled financing KJKS BMT Rawang: notification via telephone. Give the letter of the Bill. Go to home Mudhari. The results of the negotiations negotiating rescheduling or reconditioning, auction guarantees. 3) obstacles that arise in addressing the financing problematic: whether not good, Mudharib difficulty getting information. the difficulty of delivering understanding to Mudharib so that timely pay off his debts.
Key words: Responsibility, Cooperative, Mudharabah Refund
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