Praktik Pengelolaan Dana Simpanan Insani Dan Zamani Pada BMT An-Nawawi Berjan Purworejo Dalam Perspektif Hukum Bisnis Syariah

This research is motivated by the existence of fundraising products at BMT An-Nawawi Berjan Purworejo, namely insani and zamani savings, but the most popular among members/customers is insani savings. Therefore, the researcher wants to know how the management mechanism of insani and zamani savings funds includes opening, depositing, calculating profit sharing, withdrawing and closing insani and zamani savings at BMT An-Nawawi Berjan Purworejo. The purpose of this study is: To describe the practice of managing insani and zamani savings funds at BMT An-Nawawi Berjan Purworejo in the perspective of Sharia Business Law. This type of research is qualitative research with a case study design. This research took place at BMT An-Nawawi Berjan Purworejo. Key informants in this study were the Manager of BMT An-Nawawi Berjan Purworejo, representatives of customer service employees and bookkeeping for managing insani and zamani savings and representatives of savings members. Data collection uses interview, observation, and documentation techniques. Data analysis in this research method uses interactive model data analysis techniques including data collection, data reduction, data presentation, and conclusion drawing. Data validity uses triangulation of sources and techniques. The conclusions of this study are: 1) The practice of managing human and zamani savings funds at BMT An-Nawawi Berjan Purworejo is in accordance with sharia business law. 2) BMT An-Nawawi Berjan Purworejo in terms of human and zamani savings uses mudharabah. muthlaqoh contracts, 3) The practice of managing human and zamani savings is to carry out fund distribution activities. The distribution of funds is carried out using the principle of profit sharing, joint financing for profit sharing, the principle of buying and selling, the principle of rent, pawning, and loans. 4) Management of human and zamani savings funds has business constraints. The challenges include the annual cycle that significantly impacts liquidity, the absence of an institution to support liquidity, and community doubts surrounding BMT An-Nawawi Berjan Purworejo regarding the profit sharing received by savings members. Furthermore, the mudharabah muthlaqoh contract is still unfamiliar to the community.