Penyelesaian Pembiayaan Bermasalah Terhadap Akad Qardh di Koperasi Syariah Kota Bandar Lampung

Abstract

The purpose of this research is to understand the implementation of the qardh contract, identify the factors causing problematic financing related to the qardh contract, and find out the resolution for problematic financing related to the qardh contract in the Islamic Cooperative of Bandar Lampung City. This study employs a descriptive research method with a qualitative approach, and the primary data collection technique involves interviews with two respondents. The data analysis techniques used include reduction, data presentation, and drawing conclusions. From the research and discussion, it was found that the implementation of the qardh contract in the Islamic Cooperative tends to lean towards a social mission, which is providing loans to individuals who are economically disadvantaged but have potential entrepreneurial skills. The factors causing problematic financing related to the qardh contract are attributed to the cooperative's lack of thoroughness as well as intentional and unintentional factors. The resolution for problematic financing related to the qardh contract involves granting additional time for those exceeding the agreement limits, based on the member's circumstances, and imposing sanctions.