Sharia Economic Dispute Resolution with Zakat in KSPPS Khodijah, Pedan, Klaten

Abstract

Settlement of Sharia economic disputes can be taken in two ways, namely litigation and non-litigation. Non-litigation dispute resolution can be done by cooperating with third parties. This has been implemented in resolving sharia economic disputes at KSPPS Khodijah Pedan against the bad financing of customers who have loans of less than Rp. 10,000,000,-(Ten Million Rupiah) on the condition that they are UMKM actors. In this case, KSPPS Khodijah has given power to the Law and Human Rights Council of PWA Central Java as a legal representative and normalization team. In its efforts to reduce customer bad debts in KSPPS Khodijah, the Law and Human Rights Council of PWA Central Java has collaborated with a third party, namely Baznas of the Republic of Indonesia, to provide an injection of funds from zakat to mustahik UMKM actors who have debts in KSPPS Khodijah Pedan Klaten. This research is a field research and to achieve this goal the author uses a qualitative approach that is descriptive. In this study, the primary data used were generated from interviews. The interview was conducted with KSPPS Manager Khodijah Pedan, The Assistance Team, Baznas Managers, and the Community who received assistance from Baznas. Meanwhile, secondary data is obtained from books, journals and related laws and regulations. The results showed that this kind of dispute resolution model is considered very effective because it is able to provide solutions for customer finances which are also mandatory. This is evidenced by the increase in the amount of mustahik income of UMKM actors from before and after receiving zakat fund assistance from Baznas. And customers/mustahiks in the bad debt category can pay off their debts at KSPPS Khodijah Pedan.