MEKANISME INCREMENTAL AKAD SYARIAH KOPERASI SIMPAN PINJAM

Abstract

Abstract: The increasing mechanism used by savings and loan cooperatives that apply sharia economic principles refers to the process of gradually increasing the value of transactions or savings based on the principle of profits or results produced by the cooperative. This process is in line with sharia economic principles which emphasize justice and sustainability in economic activities. In general, the principle of sharia-based savings and loan cooperatives is results (mudharabah or musharakah). Its members act as investors (shahibul maal), who provide funds, and as managers (mudharib), who manage funds to generate profits. Members and the cooperative then agree to share these profits. Cooperative members can use an incremental mechanism to add savings gradually over time or based on a certain period of time. This increase in savings will result in greater profit sharing. according to the proportion of their savings. It also encourages members to become more involved in cooperatives and collective efforts. The aim of this research is to provide a thorough explanation of how incremental mechanisms function in Islamic savings and loan cooperatives. This research will include an in-depth understanding of how profit distribution is affected by increases in member savings. Identifying the benefits and challenges of this research may seek the benefits of implementing incremental mechanisms in sharia-based savings and loan cooperatives. Additionally, this research may also evaluate problems that may arise when implementing this mechanism. Measuring compliance with sharia principles this research can concentrate on how well the improvement mechanism complies with sharia economic principles and whether its practices comply with the values of sustainability and justice. Member welfare: How is the welfare of cooperative members affected by this improvement mechanism? Can this mechanism generate more benefits for members? and its effects. This data can be analyzed further to gain more understanding.

Keywords: Incremental, Contract, Savings and Loans Cooperative