Peran Koperasi Bakti Huria Syariah dalam Meningkatkan Modal dan Pendapatan Nasabah Perspektif Ekonomi Islam

Abstract

This research aims to find out: (1) an overview of capital increase and business income of Bakti Huria Syariah cooperative customers; (2) the role of Bakti Huria Syariah cooperative in increasing capital and customer business income based on Islamic economic perspective (3) cooperative strategy in increasing the active role of cooperative customers in increasing income and capital This research uses a qualitative method with an economic approach. The primary data source consists of informants from employees, tellers, customers and the Manager of the Makassar City Bakti Huria Syariah Cooperative. Secondary data sources are taken from various books, journals, and other scientific works as a theoretical basis. Data collected using observation, interview, and documentation techniques is then analyzed using descriptive analysis techniques developed by Miles and Hubermen, namely data reduction, data presentation and inference. Test the validity of data using triangulation techniques. The results of the research show that the cooperative of huria Sharia service in Makassar city plays an important role in increasing capital in the community. Where the huria shariah service cooperative has 3 products, namely Phinisi for the Civil Servant Community, Prima for the UKM Community, and the Shortcut, which is financing that can be paid in installments for micro business actors. Before giving a loan, the cooperative provides requirements that must be met and conducts analysis to prospective customers. For customers who are late in making payments, the fine system is not applied because in the huria shariah service cooperative, the sharia system applies the sharia system, namely helping each other and not being allowed to burden one of the parties, fines also in Islam can be said to be something usury. Meanwhile, employees who work there are given a policy to pay installments until they get paid.