ANALISIS KELAYAKAN PEMBIAYAAN NASABAH KSPP SYARIAH BAITUT TAMWIL MUHAMMADIYAH SANG SURYA KABUPATEN PAMEKASAN

Abstract

Cooperatives have existed since 1905, aiming to protect and maintain economic stability. Over time, people began to realize that the contracts used in conventional cooperatives often involved interest, which is not in line with sharia principles. Sharia financing savings and loan cooperatives (KSPP) are designed to operate within sharia guidelines, avoiding usury (interest), gharar (uncertainty), and maisir (gambling). This research, titled "Feasibility Analysis of Customer Financing at KSPP Syariah BTM Sang Surya Pamekasan Regency," employs qualitative methods to describe findings from the field. The study uses interviews and observations as primary data, complemented by documentation for secondary data. The analysis is descriptive, focusing on the application of the 5C+1S principle—Character, Capacity, Capital, Condition, Collateral, and Sharia—to assess customer eligibility for financing. The results indicate that the Syariah BTM Sang Surya Savings and Loans Cooperative in Pamekasan has effectively implemented this principle to determine the feasibility of providing financing to its customers.