CD Skripsi

Model Pembiayaan Mudharabah Pada Pinjaman Modal Melalui Aplikasi Oleh Pt Amartha Mikro Fintech

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ABSTRACT
PT Amartha Micro Fintech comes with the aim of increasing UMKM through a group of underprivileged women by providing financing services aimed at business capital. The financing provided by Amartha to the underprivilaged woman’s group uses sharia principles with a mudharabah contract that utilizes information technology in its funding activities (fintech). Even though the application is through an applications, the customer cannot apply for the financing independently, but is assisted by field officers of PT Amartha Micro Fintech coomonly known as Bussiness Partner. In Beringin Makmur Village, especially the Amartha Beringin assembly, only 5 out of 30 customers carry out their obligations using financing for business capital, even though this provision has been stated in Article 1 paragraph (4) of the Funding Agreement – Special Requirements of PT Amartha Micro Fintech, Article 1paragraph (11) of Law Number 20 of 2008 Concerning Mikro, Small, and Medium Enterprises, and National Sharia Council Fatwa on Mudharabah (Qiradh).
This type of research is empirical juridical research because with this research the author immediately conduct research on the location or place studied to provide a complete and clear picture, while the pupulation and sample are PT Amartha Micro Fintech Pangkalan Kuras Branch and the customers of the Amartha Beringin assembly in Beringin Makmur Village. The purpose of this research is to find out the obligation of customers to use the financing received as business capital which aim to increase Micro, Small, and Medium Enterprises (UMKM).
The result of writing this thesis is the implementation of mudharabah financing on capital loans through the application of PT Amartha Micro Fintech along with the factors that cause customers to not fulfill thei obligations to make the loan as business capital, as well as efforts that can be made to minimize the devitiation of these obligations.
The conclusion of this research is the obligation of PT Amartha Micro Fintech customers, especially the Amartha Beringin assembly, has not been maximizes due to several factors from the customer’s side as well as from the side of field officers. The weak economic situation of customers is one of the obstacles for customers to establish a business through capital loans given and the large target that must be achieved by field officers also result in giving loans to customers even though they do not meet their obligations optimally. The author’s advice for customers is given socialization related to rights and obliggations as well as literacy to improve the business that is being run and balanced with regular monitoring of customers after the disbursement of financing.
Keywords: Model – Mudharabah Financing – Application – Capital Loan.

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

1909113551

Penerbit

Pekanbaru : Universitas Riau – Fakultas Hukum – Hukum PERDATA BISNIS., 2023

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

1909113551

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

HUKUM PERDATA BISNIS

Info Detail Spesifik

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Pernyataan Tanggungjawab

DAUS

Versi lain/terkait

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