Kontrak Sosial Sebagai Jaminan Pada Akad Murabahah Dalam Meminimalisir Terjadinya Kredit Macet

Abstract

A social contract is an agreement that forms a social bond based on the same interests to meet business needs. BPRS Lantabur Lamongan Branch provides financing by utilizing the bond of social relationships that are formed into a social contract where they agree to be bound by other traders in the Sidoharjo Lamongan market with various things that have been agreed upon. The purpose of this research is to determine the implementation of the social contract at BPRS Lantabur Tebuireng Lamongan Branch. This study uses a descriptive qualitative method that uses the Purposive Sampling technique. Data collection in this study comes from the results of interviews, documents in the form of books, scientific journals or other reference sources, and documentation relating to social contracts as collateral in the murabahah contract in minimizing the occurrence of bad credit. The results of the interviews from this study used four main sources in their fields. The four sources are Manager, Legal, Teller, and the last is Market Funding. Furthermore, the researcher will review the data through source triangulation, namely from two customers of BPRS Lantabur Tebuireng Lamongan Branch. The results of this study indicate that the social contract implemented at BPRS Lantabur Tebuireng Lamongan Branch is to minimize bad credit with a system of agreeing to accept the consequences if one of them fails to pay, they will not get financing again at BPRS Lantabur Tebuireng Lamongan Branch, this creates its own pressure for debtors who are in arrears because they receive social sanctions, but basically the community has a high social spirit so they help each other because there is a risk that is borne together as happened in the Sidoharjo Lamongan market so that the risk of bad credit is successfully minimized.