Implementasi Pembiayaan Akad Ijarah di BMT UGT Sidogiri Lumajang

Mohammad Febrim Sanusi; Istikomah Istikomah; Muhammad Syafi’i

doi:10.47134/jpem.v1i1.119

Authors

Mohammad Febrim Sanusi Universitas Muhammadiyah Jember
Istikomah Istikomah Universitas Muhammadiyah Jember
Muhammad Syafi’i Universitas Muhammadiyah Jember

DOI:

https://doi.org/10.47134/jpem.v1i1.119

Keywords:

Pembiayaan, Akad Ijarah, BMT UGT Sidogiri Lumajang

Abstract

Pada kasus dilapangan di kota Lumajang masih banyak masyarakat miskin dan pedagang yang kesulitan dalam memenuhi kebutuhan sehari-harinya, dikarenakan adanya kekurangan dana sebagai bahan permodalan. Dikalangan masyarakat masih banyak yang tidak mengetahui tentang adanya koperasi dan bank yang berbasis syariah, sehingga masyarakat melakukan pembiayaan ke lembaga keuangan yang menggunakan sistem riba seperti rentenir. Dengan hadirnya koperasi syariah seperti BMT UGT Sidogiri Lumajang diharapkan menjadi jalan keluar yang diambil untuk memenuhi kebutuhan pembiayaan masyarakat. Akad ijarah merupakan pembiayaan yang ada di BMT UGT Sidogiri Lumajang yang sistemnya menggunakan sistem sewa-menyewa. Tujuan dilakukannya penelitian ini yaitu untuk mengetahui pelaksanaan akad ijarah di BMT UGT Sidogiri Lumajang serta memberikan pengetahuan kepada masyrakat tentang adanya koperasi syariah. Pada penelitian ini jenis penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa pembiayaan akad ijarah pada BMT UGT Sidogiri Lumajang ini sangat bermanfaat untuk masyarakat atau anggota yang sedang membutuhkan pembiayaan, dan tidak ditemukan kendala pada pelaksanaan pembiayaan akad ijarah.

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