Peran Koperasi terhadap UMKM selama Pandemi Covid-19: Analisis Hukum Ekonomi Islam
Journal Title: Milkiyah: Jurnal Hukum Ekonomi Syariah - Year 2022, Vol 1, Issue 2
Abstract
The COVID-19 pandemic has had an impact on reducing business turnover. The purpose of this study is to determine the role of savings and loan cooperatives in encouraging micro, small and medium enterprises (MSMEs) during the COVID-19 pandemic and examine their role in economic law Islam. This type of research uses qualitative. A research case study was conducted at the Saving and Loan Cooperative of Pekkabata. Data collection techniques are carried out by means of observation, interviews and documentation. The results showed that the Pekkabata branch of the Savings and Loans Cooperative is quite instrumental in encouraging micro, small and medium enterprises. This is evidenced by the distribution of loan funds from the cooperative to members, especially MSME actors who need additional funds for business capital. The cooperative also provides dispensation to members in returning loans by only paying half of the total loans that must be paid, especially to members affected by the COVID-19 pandemic. Members who make loans find it helpful to the cooperative's policy. The perspective of Islamic law on the role of cooperatives in distributing funds through loan products seen in terms of the qardh pillar is appropriate because of the presence of parties (members and administrators of cooperatives) which the existence of objects in the form of borrowed money and the existence of ijab qabul (sighat). However, in the terms of the loan is not in accordance with the terms of the qardh contract applying an interest system or an addition to the return (riba) then in this case it is invalid in the terms of the qardh contract.  REFERENCES Abbas, A., Ilham, M., Triani, N., Arizah, A., & Rayyani, W. O. (2020). The Involvement of Firms in Helping fight the pandemic of COVID-19: Evidence from Indonesia. Inovbiz: Jurnal Inovasi Bisnis, 8, 72-76. Bungin, Burhan. (2017). Metodologi Penelitian Sosial dan Ekonomi, Jakarta: Prenada Media Group. Frihatni, A.A., Sudirman, I., & Mandacan, F. (2022). Dampak Pandemi COVID-19 terhadap Kinerja UMKM dan Strategi Bisnisnya: Studi Kasus UMKM Irrenuang Parepare di Indonesia. Jurnal Akuntansi dan Pajak, 22 (2), 759-763. Ghazaly, Rahman Abdul. (2017). Fiqih Muamalat, Jakarta: Kencana. Julian, Oxsha. (2018), âTinjauan Hukum Islam tentang Larangan Peminjaman Uang Bagi yang Bukan Anggota Koperasiâ, Lampung: Fakultas Syariah Universitas Islam Negeri Raden Intan Lampung. Kamaluddin. (2018) âTinjauan Hukum Islam Terhadap Sistem Operasinal Koperasi Simpan Pinjamâ, Universitas Islam Negeri Syarif Hidayatullah Jakarta. Malik, Abdul. (2021). Perspektif Tafsir Konteks Aktual Ekonomi Qurâani dalam QS.an-Nisa/4:29â, Dirasat Islamiah:Jurnal Kajian Keislaman 2, (1), .39-56. Muslich, Akmad Wahid, (2017). Fikih Muamalah, Cet. IV; Jakarta: Amzah, Pane, Cristy, Dame, Merry. (2022). âVirus Corona, Gejala, Penyebab dan Cara Pengobatannyaâhttps://www.alodokter.com/virus-corona, Rasjid Solaeman, (2007). Fiqih Islam, Bandung, Sinar Baru Algesindo, Rustam, Pebi (2020), âTinjauan Hukum Islam Terhadap Sistem Kerja Koperasi Simpan Pinjam Wahana Mandiri Kota Palopoâ, Palopo: Fakultas Syariah IAIN, Suhendi Hendi, (2010). Fiqh Muamalah, Cet. VI; Jakarta: PT Raja Grafindo Persada. Soemitra Andri, (2021). Hukum Ekonomi Syariah dan Fikih Muamalah di Lembaga Keuangan dan Bisnis Kontemporer, Cet.II; Jakarta: Kencana. Sujarweni, Wiratna. (2017). Metodologi Penelitian Cet.III, Yogyakarta: Pustaka Baru Press. Syafeâi, Rahmat. (2001). Fiqh Muamalah. Cet. X; Bandung; CV Pustaka Setia.
Authors and Affiliations
Nur fitri Rahmadani Saputri Fitri,Rahma Muin,Abdul Malik,
Keywords
Related Articles
- EP ID EP708716
- DOI https://doi.org/10.46870/milkiyah.v1i2.239
- Views 100
- Downloads 0
Jual Beli Online Menurut Perspektif Ulama Fikih Majene
The development of information technology and telecommunications is growing rapidly over time so that people's lifestyles also go hand in hand with the development of increasingly sophisticated technology causing people...
Penundaan Pembayaran Angsuran Kepemilikan Rumah: Telaah Empiris Sanksi Nasabah BSI Menurut Fatwa DSN-MUI No. 17/DSNMUI/IX/2000
If customers make the delay in payment of home ownership financing installment, Bank Syariah Indonesia (BSI) will impose punishments in the form of warning letters for them. This research discusses the application of pun...
Optimalisasi Kinerja Lembaga Zakat, Infak, dan Sedekah melalui Self-Branding pada Media Sosial: Bukti dari LAZIS Jateng Surakarta
The use of social media for marketing products of Zakat, Infaq, and Shadaqah Institution (LAZIS) is an effective alternative to promote to the general public, especially in today's society. This research aims to demonstr...
Dalam Kaitannya Akuntansi Rumah Tangga, Menyoroti Keluarga Muslim
Accounting practices are appealing to be studied in a family which is the smallest unit in society. The economic activities of the family have unwittingly demonstrated accounting practices. The purpose of this study is t...
Performa Badan Amil Zakat selama Pandemi COVID-19, Ada yang Berbeda: Kilasan dari BAZNAS Sinjai Sulawesi Selatan
Covid-19 pandemic creates the climate change of work in various sector, one of them is National Amil Zakat Agency (BAZNAS). This research aims to disclose the performance of BAZNAS during the pandemic. This research was...