PRODUK PEMBIAYAAN WISATA RELIGI HAJI PADA KOPERASI DALAM PERSPEKTIF HUKUM POSITIF DAN HUKUM EKONOMI SYARIAH

Abstract

The large number interest of community in performing the hajj became one of the reference for Koperasi Nusantara in innovating the financing product. This product can be used for members of Koperasi Nusantara with some terms and conditions that have been determined. In financing, Koperasi Nusantara usesmurabaha financing. On the other side there should be a guarantee given to this community that there is portion number of Hajj and SPPH.This case study uses qualitative research method with descriptive approach that aims to get accurate data about financing in hajj. Techniques of collecting data used in this study are observation, interview and documentation. The collected data is analyzed by using qualitative analysis method which is done logically and systematically. Koperasi Nusantara as a savings and loan cooperative (KSP) that presents the product of religious tourism hajj financing enough to attract the attention of the public. In practice, however, this financing is in contrast to (PMA) no. 24 of 2016 on Amendment to Regulation of the Minister of Religious Affairs no. 30 Year 2013 concerning Banks Receiving Deposit Fees for Hajj Implementation that financing with the type of bailout had been prohibited. Keywords: