ANALISIS PENERAPAN AKAD MURABAHAH DI BMT MANDIRI SEJAHTERA CABANG BABAT LAMONGAN PADA PENGEMBANGAN SEKTOR PERTANIAN DI DESA KEDUNGWARAS MODO LAMONGAN

Abstract

Abstract, Baitul Maal Wat Tamwil (BMT) is a micro lembaga keuangan sharia in
Indonesia. As a microfinance institution, where BMT is expected to reach the small
communities that are not reached by the Bank. While on the other hand, the
agricultural sector is one of the sectors of society that are still accessible by banking
institutions that exist in Indonesia. Whereas the agricultural sector is one of the pillars
of the national economy as Indonesia is an agricultural country. From the above
background, there were some formulation of the problem: first, how the loan product
murabahah in BMT Mandiri Sejahtera branch Babat Lamongan second, how the
financing murabahah in developing agriculture in the village Kedungwaras Modo
Lamongan by BMT Mandiri Sejahtera branch Babat Lamongan.The purpose of the
above research in general is to know more details about the financing murabaha is
applied BMT Sejahtera Mandiri Branch Babat Lamongan for agricultural
development in the village Kedungwaras Modo Lamongan. This research is a field
research using qualitative descriptive approach which aims to get the data from the
informant about the analysis of the application of murabahah in the development of
agriculture in the village Kedungwaras Modo Lamongan is applied from the BMT
Mandiri Sejahtera Branch Babat Lamongan, then researchers mendeskriptifkan to the
conclusion with using the method of observation, documentation, and interviews. The
study concluded that BMT Mandiri Sejahtera in the village of the District
Kedungwaras Modo Lamongan regency is one of the BMT which is in the midst of the
majority community livelihood as farmers. Therefore, BMT has a loan product that is
devoted to the farmers, namely murabaha financing the seasonal period. Financing
where repayment is done at the end of the growing season or after harvest. In
addition, BMT Mandiri Sejahtera also undertake joint liability financing where
financing is channeled to Gapoktan and managed jointly with the farmers involved in
the Gapoktan. Of the financing of these farmers can feel the progress is very good.
Keywords: Application Akad Murabaha, Agriculture in the village Kedungwaras
Modo Lamongan, BMT Sejahtera Mandiri branch Babat Lamongan