ANALISIS IMPLEMENTASI AKAD QARDH PADA PRODUK TABUNGAN SIMPANANQU DI BAITUL MAAL WAT TAMWIL AL-BAHJAH KUNINGAN

Abstract

This study examines the implementation of the qardh contract in the SimpananQu savings product at KSPPS BMT Al-Bahjah, Kuningan branch. SimpananQu is a flagship sharia savings product structured on a qardh contract, designed to assist members without interest or additional charges. The research uses a qualitative-descriptive approach, collecting data through field observation, interviews with BMT management, and document analysis. The results indicate that the qardh contract implementation in SimpananQu adheres to sharia principles: funds are disbursed as a form of social loan without any extra returns beyond the principa. SimpananQu provides transaction flexibility for members (any-time deposits/withdrawals, no administrative fees) and enhances Islamic financial inclusion. Nevertheless, challenges remain due to the reliance on social funds (zakat, infaq, donations) for qardh financing and the need to increase member awareness of this product. In conclusion, SimpananQu realizes principles of mutual help and economic justice within the BMT institution. Sustainable management of social funds and active community outreach are recommended to optimize the benefits of qardh contracts in empowering the economy of the community.