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

ABSTRACT
This research is entitled Review of Sharia Economic Law of the Practice of the
Liability System in Cooperatives at PT. PNM Mekaar Mariana Branch has two things that
are the focus of the study. First, how is the practice of the joint responsibility system by the
cooperative 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 Sharia
Economic Law of the joint responsibility system by the cooperative for each member who
uses the Collaborative Savings and Loans Method (PSPMK) at PT. PNM Mekaar Mariana
Branch
This type of research is field research (field research) with data collection
techniques through interviews and qualitative descriptive data analysis. Based on the
analysis of the data, it is concluded that inductive conclusions can be drawn in accordance
with the problem formulation. This type of research used by the author in this thesis is to
use the type of field research (field research) where the data source is obtained from the
results of field data management which is closely related to the title of this thesis. The
types and sources of data in this study are qualitative data, namely in the form of
descriptions of ideas and opinions that come from interviews, regarding data collection
techniques, namely by using interviews by asking respondents directly related to this
thesis. By conducting these interviews, which were then analyzed and concluded, several
opinions were obtained regarding the practice of the joint responsibility system for savings
and loans using the Collaborative Savings and Loans Method (PSPMK).
The results of the study concluded that 1) the Tanggung Renteng System in the
cooperative at PT. PNM Mekaar Mariana Branch system of joint responsibility is an
agreement that targets people with middle to lower economies and the PT. PNM Mekaar
(Permodalan Nasional Madani Fostering a Prosperous Family Economy), this cooperative
savings and loan group is based on groups of as many as 10 members in one group, in the
cooperative at PT. PNM Mekaar Mariana Branch implemented a Renteng Liability System
with the aim of smooth installments and has been enforced since the inception of one of the
BUMN products which later became the responsibility of the group; 2) Review of Islamic
Economic Law on the Renteng System at PT. PNM Mekaar Mariana Branch has fulfilled
the requirements and the harmonious conditions that have been enforced are also a means
of helping and mutual cooperation for fellow members in the group and creating discipline
that is felt to be clear in guaranteeing installments and for the smooth running of the
together because it provides more benefits than harm.
Keywords: Sharia Economic Law, Responsibility System Practices, Cooperatives