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

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

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Estina Nuranita

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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