MANAJEMEN PEMBIAYAAN MUSYARAKAH MUTANAQISHAH PADA KSPPS AL-BAROKAH KABUPATEN BLORA
Abstract
Musyarakah mutanaqisah is one of the financing solutions for customers who need an item but do not have sufficient funds, even to buy in installments the savings are not enough to pay the down payment. The contract-based product structure is made in a multi-contract (hybrid) manner, which in addition to the musyarakah contract consists of an ijarah contract (leasing), ijarah mawsufah fi zimmah (advance/forward lease), bai al musawamah (sales) or istisna (manufacturing) contracts. This study uses a qualitative approach. The method used in this research is the case study method. The scope of research is related to the formulation of the problem in this study. The research subject is KSPPS Al-Barokah. Sources and types of data obtained in the following ways: (1) Primary Data, (2) Secondary Data. Researchers will use data management techniques obtained during research in the field. Furthermore, according to Miles and Hubberman in Yusuf Muri (2014:407), namely: (1) Data Reduction, (2) Data Display (data presentation), (3) Conclusion/Verification. The risk management process for musyarakah mutanaqisah financing at KSPPS Al-Barokah Blora. These conclusions include: (1) Determining the context of the AlBarokah Blora KSPPS Party (2) Identifying the risks of the Al-Barokah Blora KSPPS Party at the risk identification stage, the risks found by the KSPPS party are as follows: Risk of customer failure in carrying out their obligations to financing musyarakah mutanaqisah, Risk of an increase or fluctuation in the price of musyarakah mutanaqisah financing, Risk of misunderstanding between KSPPS and customers in asset ownership. (3) Risk Analysis by KSPPS Al-Barokah Blora at the stage of analyzing risk by calculating risk, frequency of events, analyzing customers, and analyzing losses by looking at losses in other branches. The risk of price changes by informing the customer that it has been explained at the beginning of the contract that the MMQ financing will be subject to a price review which may cause the price to increase or decrease. Meanwhile, for risks that occur due to customer errors in ownership, they will coordinate with customers or communicate by visiting the place of the object of guarantee and or monitoring by calling the place or object of the guarantee. (4) Risk Evaluation of KSPPS Al-Barokah Blora at the evaluation stage, namely by holding monthly meetings to monitor the risks that exist in KSPPS and see whether the processes for measuring customer reasons, implementing control and management are correct.
Keywords : Musyarakah Mutanaqishah Financing Management, KSPPS AlBarokah
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