Falikhatun, Falikhatun, Assegaff, Yasmin Umar and Hasim, Hasim (2016) Menelisik makna pembiayaan qardhul hasan dan implementasinya pada perbankan syariah di Indonesia. Jurnal Keuangan dan Perbankan, 20 (1). pp. 94-103. ISSN 1410-8089

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Abstract

This study aimed to analyze about the meaning Muqridh and Qardhul Hasan implementation on Islamic Banking in Indonesia. The paradigm used in this study is interpretive paradigm with a phenomenological approach. The methods of data collection are in-depth interviews, observation, and documentation, while the analysis taken is Interpretative Phenomenological Analysis (IPA) and SyarÂ’i Analysis. Interpretative Phenomenology Analysis (IPA) result shows that according to the understanding Muqridh, Qardhul Hasan has diverse meanings, namely Qardhul Hasan defined as loans and also interpreted as charitable. It is stated in the financing of implementation Qardhul Hasan is done in two ways: Productive Loan and Social Fund. Furthermore, according to the data presented in the Financial Statements of Islamic Banking, Qardhul Hasan funding comes from three sources, namely Non-Halal Funds, Fines, and Infaq Sadaqah. It is not accordance with Islamic law because the mix of funds derived from activities that are kosher and non-kosher (Makruh even the possibility haram). To the solution offered is to change the paradigm by providing a correct understanding of the financing Qardhul Hasan is as charitable, and merge the Non-Halal Funds and Penalties as Corporate Social Responsibili (CSR) Funds. Suggestion of this research is mainly proposed for (1) more Islamic banks to develop financing models Qardhul Hasan are more varied, and (2) for subsequent researchers in order to develop research related to Hasan Qardhul contribution to alleviate poverty in Indonesia.

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