IMPLEMENTASI QARDHUL HASAN PADA PEMBIAYAAN LASISMA PERSPEKTIF HUKUM EKONOMI SYARIAH ( STUDI DI BMT NU JAMBESARI )

Abstract

Abstract. This study aims to analyze the implementation of the Qardhul Hasan contract in LASISMA financing at KSPPS BMT NU Jambesari Branch and to examine its compliance with the principles of Islamic economic law. The research is motivated by the lack of understanding among members who often perceive Qardhul Hasan as a grant without repayment obligations, and by the limited socialization conducted by the institution regarding its legal and ethical basis. The research employs a qualitative descriptive method with a field research approach. Data were collected through observation, interviews, and documentation with BMT officers and LASISMA members. The findings reveal that the Qardhul Hasan contract is implemented in accordance with Islamic economic principles, as stated in the DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001 on Al-Qardh, which stipulates repayment of the principal amount without additional profit. The financing reflects the spirit of mutual assistance (ta‘āwun) and social justice. Nevertheless, several challenges remain, including limited public understanding and weak internal supervision. Therefore, it is recommended that BMT intensify educational and monitoring efforts to ensure that Qardhul Hasan financing fully aligns with the objectives of maqāṣid al-sharī‘ah in promoting social welfare and economic justice.