okto viandra arnes arnes, Farida Arianti

Penyelesaian Sengketa Kredit Macet pada BMT El Ummu Rahimah Kabupaten Sijunjung Sumatera Barat

Introduction

Penyelesaian sengketa kredit macet pada bmt el ummu rahimah kabupaten sijunjung sumatera barat. Pelajari penyelesaian sengketa kredit macet BMT El Ummu Rahimah Sijunjung, Sumatera Barat. Kaji metode non-litigasi, peringatan, dan dampak gagal bayar di lembaga syariah.

Abstract

Baitul Maal wa Tamwil (BMT) is one of the financial institutions engaged in financial services based on sharia principles in carrying out its activities. However, Baitul maal wa tamwil is not uncommon or frequent bad credit disputes committed by customers intentionally or unintentionally. This research is quantitative research, namely field research by exploring data sourced from BMT El Ummu Rahimah Sijunjung Regency, West Sumatra regarding dispute resolution in Baitul Maal Wa Tamwil. The data collected uses field research (Field Research), namely collecting data through interviews, observations and other materials. In resolving bad credit disputes at Baitul maal wa tamwil, there are alternative solutions that must be taken by customers, namely through litigation (in court) and non-litigation (out of court). However, the settlement of bad credit disputes at BMT El Ummu Rahimah is resolved in a non-litigation manner, namely dispute resolution outside the court. There are several steps taken by BMT El Ummu Rahimah in resolving bad credit disputes, namely giving warning letters, providing relief and the existence of settlements made amicably in the event of bad credit by customers. But what is no less important is that BMT El Ummu Rahimah is unable to return the customer's money. So that BMT El Ummu Rahimah was audited and all of its goods were confiscated.

Review

This paper addresses a highly relevant issue: the resolution of bad credit disputes within Baitul Maal wa Tamwil (BMT) institutions, specifically BMT El Ummu Rahimah in Sijunjung Regency, West Sumatra. The abstract indicates a field research approach aimed at understanding how these disputes are managed. It highlights the common occurrence of bad credit in BMTs and explores the alternative solutions available, focusing on non-litigation methods such as warning letters, providing relief, and amicable settlements adopted by the subject BMT. The topic's focus on Islamic microfinance and practical dispute resolution methods offers valuable insights into operational challenges in this sector. However, a significant inconsistency arises in the abstract regarding the research methodology. It is initially stated as "quantitative research" but subsequently described as "field research" employing "interviews, observations, and other materials," which are hallmarks of qualitative inquiry. This contradiction needs immediate clarification for the study's validity and transparency. Furthermore, the concluding statement, "BMT El Ummu Rahimah is unable to return the customer's money. So that BMT El Ummu Rahimah was audited and all of its goods were confiscated," introduces a profound shift in focus. This outcome suggests the BMT's own financial collapse rather than merely outlining its processes for resolving individual customer bad debts, and the relationship between the detailed non-litigation steps and this ultimate institutional failure needs to be explicitly articulated. To enhance clarity and coherence, the authors should precisely define the research methodology and justify its application to the study's objectives. It is crucial to integrate the BMT's collapse more cohesively into the narrative. If the collapse is a direct consequence of unresolved bad credit disputes despite the non-litigation efforts, this should be explicitly stated and analyzed as a key finding. Conversely, if the collapse is an external factor, its relevance to the dispute resolution process should be clearly established. A more detailed explanation of "customer's money" (e.g., deposits vs. uncollected loans) would also clarify the implications of the BMT's failure. Addressing these points would significantly strengthen the paper's contribution by providing clear insights into both the practices of dispute resolution in BMTs and the systemic risks they might face.

Full Text

Comments

You need to be logged in to post a comment.