Sari, Yuliya (2025) Analisis Penyelesaian Wanprestasi Dalam Perjanjian Kredit Barang Pada Baitul Maal Wa Tamwil (bmt) Insan Madani Di Indragiri Hulu. Other thesis, Universitas Islam Riau.

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Abstract

Baitul Maal Wa Tamwil (BMT) developed and established by the community is a non-governmental organization with local resources, funds, or capital initially. To encourage community empowerment, especially micro, small and medium enterprises, the lower middle class. BMT offers solutions for the community and small and medium enterprises who have difficulty getting funds from official financial institutions. Therefore, the success of managing funds from financing income is the main indicator of the success of BMT's establishment. The phenomenon of non-performing financing or default will have a significant impact on BMT. Problematic financing poses a danger to BMT, as a result of which BMT's performance will decline. The main problem in this study is in the process of settling defaults in the goods credit agreement at Baitul Maal Wa Tamwil (BMT) civil servants in Indragiri Hulu and what are the factors behind the occurrence of a default of Baitul Maal Wa Tamwil (BMT) civil servants in Indragiri Hulu. The research method used in this study is empirical legal research that makes researchers go directly to the field, to obtain primary data obtained from the results of interviews and questionnaires. This research is descriptive, namely providing an overview of the settlement of defaults in the goods credit agreement at the baitul maal wa tamwil (bmt) Insan Madani in Indragiri Hulu. The results of the discussion from the research, it can be seen that in the process of resolving defaults in goods credit at BMT people madani in most cases there are several customers who are difficult to contact and there are customers who are difficult to find, but in the process of settling financing the BMT has implemented two ways to resolve defaults, namely the first is by visiting the place of the customer who committed the default to help them find a solution to get out from the settlement. Second, by selling together the goods that are credited. The proceeds from the joint sale are used to pay off customer financing. As well as the factors behind the occurrence of defaults in BMT insan madani, namely the economy and its unstable or non-performing business income which are the main factors causing defaults.

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