JUDUL SKRIPSI APLIKASI PEMBIAYAAN KONGSI PEMILIKAN RUMAH SYARIAH PADA BMT AHMAD YANI MALANG
DAFTAR ISI
HALAMAN
JUDUL
.....................................................................................
i
LEMBAR
PERSETUJUAN
........................................................................... ii
LEMBAR
PENGESAHAN...........................................................................
iii
HALAMAN
PERSEMBAHAN ...................................................................
iv
KATA
PENGANTAR...................................................................................
vi
DAFTAR
ISI
...................................................................................................
viii
DAFTAR
TABEL
...........................................................................................
x
DAFTAR
GAMBAR......................................................................................
xi
DAFTAR
LAMPIRAN..................................................................................
xii
ABSTRAK......................................................................................................
xiii
BAB I : PENDAHULUAN..........................................................................
1
A.
Latar
Belakang...........................................................................
1
B.
Rumusan Masalah
.................................................................... 7
C.
Tujuan Penelitian.......................................................................
8
D.
Manfaat Penelitian
.................................................................... 8
BAB II : KAJIAN PUSTAKA
..................................................................... 10
A.
Penelitian Terdahulu
............................................................... 10
B.
Kajian Teoritis
........................................................................... 14
1.
Bank Baitul Maal Wat Tamwil (BMT) ...................................... 14
a.
Pengertian
BMT....................................................................... 14
b.
Fungsi
BMT..............................................................................
15
c.
Status Dan Badan Hukum BMT............................................ 16
d.
Ciri-Ciri
BMT...........................................................................
17
e.
Prinsip utama BMT
................................................................ 18
f.
Produk-Produk BMT...............................................................
19
2.
Pembiayaan...................................................................................
22
a.
Pengertian
Pembiayaan........................................................... 22
b.
Tujuan Dan Fungsi Pembiayaan............................................ 25
10
c.
Jenis
Pembiayaan......................................................................
27
d.
Prinsip-Prinsip Pemberian Pembiayaan............................... 34
e.
Prosedur Pembiayaan .............................................................
36
3.
Kongsi Pemilikan Rumah Syariah (KPRS) ............................... 37
a.
Musyarakah
..............................................................................
38
b.
Ijarah ..........................................................................................
49
BAB III : METODE PENELITIAN............................................................59
A.
Lokasi Penelitian .....................................................................
59
B.
Jenis Dan Pendekatan Penelitian........................................... 59
C.
Sumber
Data.............................................................................
60
D.
Teknik Pengumpulan Data.................................................... 61
E.
Analisis
Data.............................................................................
62
F.
Kerangka Analisis
.................................................................... 65
BAB V : PAPARAN DAN PEMBAHASAN HASIL PENELITIAN ... 67
A.
Paparan Data Hasil Penelitian ................................................
67
B.
Pembahasan Data Hasil Penelitian ......................................... 88
BAB V : PENUTUP.......................................................................................
123
A.
Kesimpulan
...............................................................................
123
B.
Saran...........................................................................................
125
DAFTAR PUSTAKA ...................................................................................
126
DAFTAR TABEL
Tabel
1.1 : Neraca BMT Ahmad Yani Tahun 2005-2007 ........................ 7
Tabel
2.1 : Hasil Penelitian Terdahulu
..................................................... 11
Tabel
4.1 : Jumlah Nasabah Kongsi Pemilikan Rumah Syariah
Pada
BMT AhmadYani............................................................ 92
DAFTAR GAMBAR
Gambar
2.1 : Skema Al Musyarakah
.......................................................... 42
Gambar
2.2 : Skema Musyarakah Mutanaqishah .................................... 49
Gambar
2.3 : Skema Transaksi Ijarah Dengan Obyek
Manfaat
Barang ......................................................................
54
Gambar
2.4 : Skema Transaksi Ijarah Dengan Obyek
Manfaat
Tenaga ......................................................................
55
Gambar
2.5 : Skema Ijarah Muntahia Bit Tamlik...................................... 58
Gambar
3.1 : Komponen-Komponen Analisis Data Model Interaktif... 63
Gambar
3.2 : Kerangka
Analisis.................................................................. 65
Gambar
4.1 : Struktur Organisasi BMT Ahamad Yani ............................ 71
Gambar
4.2 : Skema Aliansi BMI Dengan LKS......................................... 82
Gamabr
4.3 : Multiplier Effect Pembiayaan Rumah ................................ 90
Gambar
4.4 : Skema Bagi Hasil Musyarakah Mutanaqishah.................. 91
Gambar
4.5 : Skema Porsi
Kepemilikan..................................................... 92
Gambar
4.6 : Skema Aliansi Pola Chanelling............................................
113
Gambar
4.7 : Skema Aliansi Pola
Executing.............................................. 115
DAFTAR LAMPIRAN
Lampiran
1: Bukti
Konsultasi.....................................................................
129
Lampiran
2: Surat Keterangan
................................................................... 130
Lampiran
3 : Fatwa DSN No 8 Tentang Musyarakah.............................. 131
Lampiran
4 : Fatwa DSN No 9 Tentang Ijarah.......................................... 132
Lampiran
5 : Fatwa DSN No 10 Tentang Wakalah .................................. 134
Lampiran
6 : Hasil Penelitian Dengan Metode Wawancara................... 135
Lampiran
7 : Hasil Penelitian Dengan Metode Dokumentasi................ 141
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