Legal Reconstruction in Settlement of Mudharabah Claims at KSPPS BMT Muamalat Mulia Kudus: Maslahah Mursalah Perspective
Aristoni Aristoni, Dea Prahesti
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Abstract
This research study aims to explore the settlement model carried out by KSPPS BMT Muamalat Mulia Kudus for members in mudharabah receivables, and analyze it from the perspective of maslahah mursalah. This research is included in the type of sociological juridical research based on a qualitative approach. The data source used is primary data, namely direct interviews with informants. To support primary data, this research uses secondary data in the form of journal articles and books that are still related to the research title. After the data was collected, the next step was to test the validity of the data using a credibility test in the form of extended observations, increased persistence and triangulation, then analysis was carried out using qualitative descriptive analysis techniques. The results of the research show that in responding to the problem of mudharabah receivables, the policies implemented by KSPPS BMT Muamalat Mulia Kudus are dialogue, offering financing restructuring, continuous monitoring of members, providing warnings and legal summons, and executing collateral confiscations. In the maslahah mursalah perspective, the policy implemented is a solution to realize mutual benefit in maintaining property ownership for the institution and providing burden relief to members. This research study recommends that sharia microfinance institutions need to apply the principle of prudence and analyze the condition of prospective members before making a decision to provide any form of financing.
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