Pandangan tokoh agama terhadap simpan pinjam: Studi di Koperasi Unit Desa (KUD) Tani Bahagia Kecamatan Gondang Kabupaten Mojokerto

INDONESIA:

Koperasi merupakan salah satu badan usaha terbentuk dari beberapa orang yang bersifat kemasyarakatan dan berasaskan kekeluargaan, sehingga banyak diminati, tumbuh dan berkembang dalam masyarakat. Koperasi Unit Desa (KUD) merupakan salah satu jenis koperasi berdasarkan letak usaha dan tempat tinggal para anggotanya. KUD Tani Bahagia memiliki tujuan terlaksananya progam peningkatan produksi pertanian, membantu dan meringankan beban para anggota dan masyarakat umum dalam hal finansial di Mojokerto.

Penulis mengkaji mengenai beberapa masalah untuk dijadikan pokok pembahasan dalam penelitian ini, pertama, bagaimana praktik simpan pinjam di Koperasi Unit Desa (KUD) Tani Bahagia Kecamatan Gondang Kabupaten Mojokerto. kedua, bagaimana pandangan tokoh agama terhadap simpan pinjam di Koperasi Unit Desa (KUD) Tani Bahagia Kecamatan Gondang Kabupaten Mojokerto.

Peneliti menggunakan penelitian yuridis empiris (lapangan) penelitian yang dilakukan terjun langsung ke lapangan untuk memperoleh data. Pendekatan penelitian ini menggunakan yuridis sosiologis. Metode pengambilan sampel yaitu non probabilitas. Sedangkan metode pengumpulan data diperoleh dari wawancara dan dokumentasi. Adapun teknik analisis data menggunakan editing, classifying, verifying, analyzing, concluding.

Berdasarkan uraian dapat disimpulkan bahwa, praktik simpanan di Koperasi Unit Desa Tani Bahagia khusus simpanan sukarela hanya dilakukan sebatas karyawan dan anggota koperasi. Sedangkan pinjaman dilakukan oleh karyawan, anggota usaha tani TRI dan masyarakat umum, dengan pembebanan bunga yang bermacam-macam antara 1,5% sampai 2,5 % baik musiman atau flat selama 1-2 tahun. Kedua, Pandangan tokoh agama dalam menanggapi simpan pinjam dengan menerapkan bunga ada yang membolehkan dengan syarat, makruh dan mengharamkan dengan dasar Al-Qur’an, hadis maupun kaidah fiqih. Sebagian besar tokoh agama menyayangkan dan menyarankan untuk mengganti akad lain yang sesuai dengan prinsip syariah.

ENGLISH:

Cooperative is one of a business entity formed from several people who are social and family-based, so that they are in high demand, grow and develop in the community. Moreover, Village Unit Cooperatives (KUD) is one of the cooperatives based on the location of the business and residence of its members. KUD Tani Bahagia purpose is to implement a program in increasing agricultural production, helping and easing the burden on members and general public in financial matters in Mojokerto.

The writer examined several problems to be the subject of discussion in this study, first, how the practice of saving in the Village Unit Cooperative (KUD) of Tani Bahagia Gondang District, Mojokerto Regency. Second, what is the view of religious figures on saving and loan at the Village Unit Cooperative (KUD) of Tani Bahagia Gondang District, Mojokerto Regency.

The researcher used empirical juridical research (field) research conducted directly into the field to obtain data. Also, this research approach used sociological juridical. Moreover, the sampling method was a non-probability. Meanwhile, the data collection method was derived from interviews and documentation. The data analysis techniques were done by doing editing, classifying, verifying, analyzing, concluding.

Based on the findings it can be concluded that, the practice stash of KUD Tani Bahagia Gondang District Mojokerto Regency special savings exclusively are solely carried out by the management and members of the cooperative while the loan practices are done by including employees, members of Tani TRI, and the general public with of interest loading is between 1.5% to 2.5% both seasonal or flat for 1-2 years. The perspective of religious figures in responding to the save loan by applying interest there is religious figures who allows the activity, but on condition, there is also perspective which says makruh or even haram based from the Qur'an, hadith and the rules of Islamic jurisprudence (Fiqh). Most religious figures regret and suggest not to use the practice but by changing other agreements in accordance with sharia principles.