Tinjauan Sistem Akad Dalam Program Ojo Percoyo Rentenir (Ojir) Baznas Kota Malang

Abstract

The rise of renternir practices with various facilities makes people in need interested in using their services. The existence program of the Ojo Percoyo Renternir (OJIR) as an effort to eradicate renternir from the Malang city government in collaboration with BAZNAS Malang City and BPR Tugu Artha Sejahtera. OJIR provides interest-free loan services to Mustahik / UMKM, which is actually the cost is the distribution of zakat infaq and shadaqah funds that are calculated to be msutahik and paid in the form of subsidies. So that the OJIR Program looks to have applied the concept of sharia. This research was conducted to reveal a review of sharia agreements used in the OJIR program. In the study using qualitative methods that are descriptive, historical, expolarative and in-depth to the recipients of OJIR and BAZNAS Malang City as subjects studied. From the results of boxing it was revealed that the OJIR Program leads to Qard al-Hasan because it meets the criteria of his contract. And it does not lead to a Kafalah contract because it has a mismatch with its contract.