DAFTAR ISI

HALAMAN JUDUL .............................................................................. i

HALAMAN NOTA PERSETUJUAN .................................................. ii

HALAMAN PENGESAHAN................................................................. iii

HALAMAN PERNYATAAN ................................................................ iv

MOTTO ................................................................................................. v

PERSEMBAHAN ................................................................................... vi

KATA PENGANTAR ........................................................................... vii

ABSTRAK ............................................................................................. ix

DAFTAR ISI............................................................................................ xi

DAFTAR GAMBAR .............................................................................. xiv

BAB I : PENDAHULUAN

A. Latar Belakang Masalah ................................................ 1

B. Fokus Penelitian ............................................................. 6

C. Rumusan Masalah .......................................................... 7

D. Tujuan Penelitian ............................................................ 7

E. Manfaat Penelitian .......................................................... 7

BAB II : KAJIAN PUSTAKA

A. Deskripsi Pustaka ............................................................. 8

1. Koperasi...................................................................... 8

1.1. Pengertian Koperasi ........................................... 8

1.2. Prinsip Koperasi .................................................. 9

1.3. Jenis Koperasi ..................................................... 10

2. Baitul Mal Wa Tamwil .............................................. 10

2.1. Pengertian BMT .................................................. 10

2.2. Prinsip BMT........................................................ 11

2.3. Ciri-ciri BMT ..................................................... 12

2.4. Pendirian BMT .................................................... 12

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2.5. Modal BMT......................................................... 13

3. Akad ......................................................................... 13

3.1. Pengertian Akad ................................................. 13

3.2. Syarat-syarat Umum Akad .................................. 14

3.3. Syarat Tambahan Sahnya Akad ......................... 16

4. Murabahah ................................................................. 17

4.1. Pengertian Murabahah ........................................ 17

4.2. Hukum Murabahah.............................................. 17

4.3. Syarat-syarat Murabahah .................................... 18

4.4. Rukun-rukun Murabahah .................................... 20

4.5. Bentuk Murabahah .............................................. 20

4.6. Ketentuan Umum Murabahah ............................. 22

4.7. Prosedur Murabahah............................................ 23

5. Intermediary ............................................................... 24

4.1. Pengertian Intermediary................................. 24

4.2. Fungsi Intermediary ...................................... 26

5.3. Macam-macam biaya informasi intermediator

keuangan......................................................... 27

B. Hasil Penelitian Terdahulu ............................................... 27

C. Kerangka Berfikir ............................................................. 31

BAB III : METODOLOGI PENELITIAN

A. Jenis dan Pendekatan Penelitan ........................................ 32

B. Sumber Data ...................................................................... 33

C. Lokasi Penelitian ............................................................... 34

D. Teknik Pengumpulan Data ............................................... 34

E.Uji Keabsahan Data ........................................................... 35

F. Analisis Data ...................................................................... 36

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BAB IV : HASIL PENELITIAN DAN ANALISIS

A. Gambaran Umum Perusahaan

1. Sejarah Singkat Berdirinya BMT MADE ................. 38

2. Visi, Misi dan Strategi Pencapaian BMT MADE ...... 39

3. Struktur Organisasi, Wewenang dan Tugas ............... 41

4. Ruang Lingkup Produk dan Jasa BMT MADE ......... 51

5. Prosedur dan Mekanisme Operasional ....................... 55

B. Data Penelitian

1. Akad Murabahah …………………..........…………… 60

2. Pelaksanaan Akad Murabahah di BMT MADE........ 62

C. Analisis

1. Akad Murabahah ....................................................... 67

2. Pelaksanaan Akad Murabahah di BMT MADE........ 75

BAB V : PENUTUP

A. Kesimpulan .................................................................... 82

B. Saran................................................................................ 83

C. Penutup ........................................................................... 83

DAFTAR PUSTAKA

DAFTAR RIWAYAT PENDIDIKAN

LAMPIRAN-LAMPIRAN

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DAFTAR GAMBAR

Gambar 2.1 Bagan Murabahah Sederhana ........................................... 21

Gambar 2.2 Bagan Murabahah KPP ..................................................... 21

Gambar 2.3 Bagan Proses Intermediary ............................................... 25

Gambar 2.4 Kerangka Berfikir .............................................................. 31

Gambar 4.5 Sistem Satu Arah ............................................................... 53

Gambar 4.6 Sistem Feeback.................................................................. 53

Gambar 4.7 Sistem Tilot Project .......................................................... 54