PRAKTIK MUSYARAKAH PADAUNIT SIMPAN PINJAM SYARIAH UNIT USAHAOTONOM KOPERASISERBA USAHA SINAR MENTARI Dl KARANGANYAR-JAWATENGAH

Agus Rianto

Abstract

Thisresearch aims to: a. find out how is the implementationof partnership agreementin Syariah Lon- Saving Unit ofAutonomous Enterprise Unit in Sinar Mentari Multi BusinessCooperation, Karanganyan b. find outsociety's reasons or motivations becomingcustomersof the Syariah Lon-Saving Unit ofAutono
mousEnterprise Unit in Sinar Mentari Multi BusinessesCooperation; c. find outthe ways orefforst taken
to solve theproblems, ifthere is anydispute in thepartnership agreement betweencooperation partyand its customers. Theresearch employs normative juridical and sociological / empirical juridical approach. The data used are primary and secondary data. Techniques of collecting data employed are interview; questionaire for the customer andlibrary observation. Following are the results of the research: a. The partnership agreementbetweencooperation partyanditscustomers isconducted in the form ofwritten one involving mnagementoftherights andobligation ofthecooperation as wellas its customers; stipulation of guarantee object; theamount ofprofit sharing for thecooperation partyas well as itscustomers andso on; b.Most ofpeopleareinterested in becoming thecustomers ofthe Syariah Lon-Saving Unit ofAutonomous Enterprise Unit in Sinar Mentari Multi Businessses Cooperation becauseofits easy procedure, that ac cording to thecustomers, itis more flexible  andnotcomplicated, transaction based onthe Syariah Islam
systemismore comfortable psychologically; borrowingmoney through profit sharing systemismore appro priate than interest system or others; c. If there amy problems/obstruction, firstly cooperation party will attempt to solve the problems in family atmosphere/peacefully orplan to adhere a warning boardonthe
wall. Whenthisis not successful, thus, it will use jurisdiction way. Since Religion Courtstilldo not have an authority tosolve some dispute regarding with businessandloaning, andIndonesian Muamalah Arbitration Boardis stillnot established in  Karanganyar, the completion lawfully inregency courtis preferred, i.e. in Regency Courtof Karanganyar.

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