Pola Kerja Sama Bank Danamon Syariah Dan Masyarakat Mandiri Dompet Dhuafa Republika Dalam Pengelolaan Qardhul Hasan

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Pola Kerja Sama Bank Danamon Syariah Dan Masyarakat Mandiri Dompet Dhuafa Republika Dalam Pengelolaan Qardhul Hasan POLA KERJA SAMA BANK DANAMON SYARIAH DAN MASYARAKAT MANDIRI DOMPET DHUAFA REPUBLIKA DALAM PENGELOLAAN QARDHUL HASAN Di Ajukan Untuk Memenuhi Persyaratan Memperoleh Gelar Sarjana Ekonomi Islam (SEI) Oleh : Abdul Malik NIM : 204046102875 KONSENTRASI PERBANKAN SYARIAH PROGRAM STUDI MUAMALAT (EKONOMI ISLAM) FAKULTAS SYARIAH DAN HUKUM UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA 1429/ 2008 M POLA KERJA SAMA BANK DANAMON SYARIAH DAN MASYARAKAT MANDIRI DOMPET DHUAFA REPUBLIKA DALAM PENGELOLAAN QARDHUL HASAN Skripsi Diajukan kepada Fakultas Syariah dan Hukum Untuk Memenuhi Persyaratan Memperoleh Gelar Sarjana Ekonomi Islam (SEI) Oleh : Abdul Malik NIM: 204046102875 Pembimbing I Pembimbing II Drs. H. Ahmad Yani, M.Ag Dr. H. Umar Alhaddad, MA NIP: 150 289 678 NIP: 150 264 892 KONSENTRASI PERBANKAN SYARIAH PROGRAM STUDI MUAMALAT (EKONOMI ISLAM) FAKULTAS SYARIAH DAN HUKUM UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA 1429 H/ 2008 M LEMBAR PERNYATAAN Dengan ini saya menyatakan bahwa: 1. Skripsi ini merupakan hasil karya asli saya yang diajukan untuk memenuhi salah salah satu persyaratan memperoleh gelar strata 1 di Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. 2. Semua sumber yang saya gunakan dalam penelitian ini telah saya cantumkan sesuai dengan ketentuan yang berlaku di Uinversitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. 3. Jika di kemudian hari terbukti bahwa karya ini bukan hasil karya asli saya atau merupakan hasil jiplakan dari karya orang lain, maka saya bersedia menerima sanksi yang berlaku di Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta. Jakarta, 17 November 2008 Abdul Malik KATA PENGANTAR ِِْ اِ اَِْ اِِ Alhamdulillah, segala puji dan kebesaran-Nya hanya milik Allah SWT, dengan limpahan nikmat-Nya segala amal shalih menjadi sempurna, segala tindakkan menjadi mudah. Penulis tidak akan dapat menyelesaikan skripsi ini jika bukan karena izin Allah SWT. Atas izin dan petunjuk Allah SWT, penulis dapat menyelesaikan riset yang sangat sederhana ini dengan baik sebagai syarat untuk mencapai gelar Sarjana Ekonomi Islam dengan judul POLA KERJA SAMA BANK DANAMON SYARIAH DAN MASYARAKAT MANDIRI DOMPET DHUAFA REPUBLIKA DALAM PENGELOLAAN QARDHUL HASAN. Shalawat dan salam semoga selalu dilimpahkan secara terus menerus kepada baginda Muhammad SAW, berkat perjuangan dan kesabaran beliau kita dapat merasakan cahaya kebenaran, wawasan pengetahuan hingga menjadi manusia yang penuh dengan peradaban. Menyadari bahwa dalam proses penyelesaian skripsi ini, penulis tidak berdiri sendiri dan begitu banyak pihak-pihak yang telah memberikan kesempatan, bimbingan, dukungan serta bantuan baik moril mau pun materi kepada penulis. Sudah menjadi keharusan penulis hanturkan ucapan terima kasih yang paling dalam kepada pihak-pihak dan institusi yang berjasa yaitu: 1. Bapak Prof. Dr. H. Muhammad Amin Summa, SH, MA, MM, Dekan Fakultas Syariah dan Hukum 2. Ibu Dr. Euis Amalia, M.Ag dan Bapak Ah Azharuddin Latif, M.Ag, Kepala Jurusan dan Sekretaris Jurusan Muamalah 3. Bapak Drs. Djawahir Hejazziey, SH, MA, Koordinator Teknis Non Reguler 4. Bapak Drs. H. Ahmad Yani, M.Ag sekretaris Program Non Reguler sekaligus Dosen Pembimbing penulis dalam penyelesaian skripsi ini, penulis ucapkan terima kasih atas bimbingan, petunjuk dan kesabaran pada penulis untuk penyelesaian skripsi ini. 5. Bapak Dr. H. Umar Alhaddad, MA, Dosen Pembimbing penulis dalam proses penyelesaian riset skripsi. Tiada yang dapat penulis ucapkan selain terima kasih yang sangat dalam atas arahan, bimbingan, kesabaran serta kekeluargaan bapak sehingga penulis dapat menyelesaikan skripsi ini. 6. Bapak Drs. Abu Thamrin, SH, M.Hum, dosen pembimbing akademik. Penulis hanturkan terima kasih yang tak terhingga atas bimbingan, arahan, kesabaran dan perhatian yang tulus kepada penulis selama menempuh pendidikan di Universitas Islam Negeri Syarif Hidayatullah Jakarta. 7. Ibu Indah Kusumaningrum dan Bapak Indra Pratomo Pihak dari Bank Danamon Syariah yang telah dengan senang hati memberikan izin, kesempatan kepada penulis untuk dapat meneliti di Institusi tersebut dan pihak-pihak Bank Danamon Syariah secara umumnya yang tak dapat penulis sebutkan satu persatu. 8. Pihak Lembaga Masyarakat Mandiri Dompet Dhuafa Republika terutama kepada Ibu Wazi’ah dan Bapak Rano Karno yang telah senang hati memberikan izin, waktu, dan kesempatan untuk memberikan data-data dan pengetahuan serta wawancara di lembaga tersebut. 9. Ayahanda Marlis Ilyas, Alm, penulis tak dapat membalas jasa dan bimbingan ayahanda selama ini, hanya dengan doa dan amal yang sholih anak ayahanda sembahkan semoga Ayahanda diberikan kenikmatan dan ridho-Nya. 10. Ibunda tercinta Marhayani, tiada yang dapat penulis berikan kepada ibunda tercinta hanya doa dan usaha yang tiada henti agar ibunda dapat bahagia baik dunia maupun akhirat 11. Kakak-kakak ku yang terbaik Uda Akhyar, Uni Mardiah, Uni Peni Salfita, SE dan Uni Mimi yang selalu memberikan dukungan, materi dan motivasi penuh dengan segala kesabaran mereka mendidik membimbing dan mendukung penulis dalam proses pendidikan. 12. Untuk adik-adik ku yang setia menemani dan memberikan dukungan baik moril maupun materi Mailiswarti, S.Kom, Abdul Azis, SH, Lidia Novita, dan bungsu manja Muhammad Arif terima kasih yang tulus kakak mu persembahkan. 13. Keluarga Besar Bapak Drs. Nurul Habibburrahmanuddin, M.Ag dan Istri Dr. Nurul Hikmah, M.Ag beserta anak Ibad, Zawa, tiada yang dapat diberikan selain ucapan terima kasih yang dalam atas dukungan, motivasi dan bantuan materi yang selama ini diberikan. 14. Sahabat, teman-teman penulis yakni Haris Rahman, S.Kom, Ustadz M.Taufik, S.So.I, Sobat (Rossi46), Didi Pujihadi, Hari Ndut, Fajar, Choha, Nuzda, Maja serta teman-teman kelas PS A angkatan 2004 atas kebersamaan kalian yang tak dapat penulis sebutkan satu persatu dan semua pihak yang telah memberikan dukungan dan bantuan yang tulus dan ikhlas baik moril maupun material. Tiada dapat penulis membalas jasa-jasa pihak-pihak yang telah membantu kecuali untaian doa dan ketulusan hati semoga Allah SWT memberikan balasan kebaikan tersebut dengan pahala dan kebajikan yang berlipat ganda serta keberkahan hidup baik di dunia maupun di akhirat. Semoga karya ilmiah yang sederhana ini dapat bermanfaat adanya khususnya bagi penulis dan dapat memberikan sumbangan karya untuk perkembangan dunia perbankan syariah dan lembaga-lembaga keuangan syariah lainnya. Amin.. Jakarta, November 2008 M Dzulqa’dah 1429 H Penulis, (Abdul Malik) DAFTAR ISI LEMBAR PERNYATAAN................................................................................i KATA PENGANTAR..........................................................................................ii DAFTAR ISI ..........................................................................................................v BAB I PENDAHULUAN A. Latar Belakang Masalah...............................................................1 B. Pembatasan dan Perumusan Masalah............................................5 C. Tujuan dan Manfaat Penelitian.....................................................5 D. Review Studi Terdahulu...............................................................6 E. Metode Penelitian .......................................................................7 F. Sistematika Penulisan...................................................................10 BAB II LANDASAN TEORI QARDHUL HASAN A. Teori Qardhul Hasan 1. Pengertian Qardhul Hasan ..................................................11 2. Landasan Hukum dan Ketentuan Qardhul Hasan ................12 3. Teknis Perbankan ................................................................17 B. Konsep Perbankan Syariah dan Operasionalnya 1. Pengertian Bank Syariah......................................................24 2. Tujuan Bank Syariah ...........................................................25 3. Dasar Hukum Bank Syariah.................................................26 4. Sistem Operasional Perbankan Syariah................................27 5. Produk-Produk dan Jasa Bank Syariah.................................28 BAB III Profil Bank Danamon Syariah dan Masyarakat Mandiri Dompet Dhuafa Republika A. Profil Bank Banamon Syariah 1. Sejarah Berdirinya.....................................................................35 2. Visi dan Misi.............................................................................39 3. Struktur Organisasi....................................................................40 4. Produk-produk ..........................................................................41 B. Profil Masyarakat Mandiri Dompet Dhuafa Republika 1. Sejarah Berdirinya.....................................................................64 2. Visi dan Misi.............................................................................66 3. Struktur Organisasi....................................................................67 4. Program-Program......................................................................68 BAB IV Pola Kerja Sama Bank Danamon Syariah dan Masyarakat Mandiri Dompet Dhuafa dalam Pengelolaan Qardhul Hasan A. Strategi Pengelolaan Qardhul Hasan di Bank Danamon Syariah dan MM Dompet Dhuafa .............................................................72 B. Pola Kerja Sama Bank Danamon Syariah dengan MM Dompet Dhuafa dalam Pengelolaan Qardhul Hasan ..................................84 C. Analisis Aplikasi Strategi Pengelolaan Qardhul Hasan dan Pola Kerja Sama Bank Danamon Syariah dan MM Dompet Dhuafa.....88 BAB V PENUTUP A. Kesimpulan..................................................................................91
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