SKRIPSI APLIKASI PEMBIAYAAN KONGSI PEMILIKAN RUMAH SYARIAH PADA BMT AHMAD YANI MALANG

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

 

  . KLIK INI UNTUK MEMBACA SELENGKAPNYA
 

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