Relevansi Penerapan Produk Multijasa pada Islamic Microfinance Institutions dengan Kesejahteraan Masyarakat
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Abstract
The purpose of this was to determine the application and relevance of multi-service products in the form of overseas money transfer services in the Islamic microfinance institutions namel the TKI Artha Mulya Sharia., as well as the economy Welfare of the community, especially members of the TKI Artha Mulya Sharia Lamongan. The result of this reseach are the application of overseas money transfer service to the TKI Artha Mulya Sharia is based on the ijarah and wakalah contracs. The existence of overseas money transfer service greatly affects the welfare of the economy. This can be seen where the majority of the community also work as migrant Workers abroad. So that, overseas money transfer service is most superior service in this TKI Artha Mulya Sharia Cooperative, because this service can help the wider community, aspecially TKI in sending money to the families, because the community is still weak in using the internet.
Tujuan penelitian ini adalah ingin mengetahui penerapan dan relevansi produk multijasa pengiriman uang luar negeri di Islamic Microfinance Institutions yang bernama koperasi syariah TKI Artha Mulya serta dengan kesejahteraan perekonomian msyarakat khususnya anggota Koperasi Syariah TKI Artha Mulya Lamongan. Hasil penelitian adalah penerapan dari jasa keuangan luar negeri pada Koperasi Syariah TKI Artha Mulya ini didasarkan pada akad ijarah dan akad wakalah. Adanya jasa pengiriman uang luar negeri sangat berpengaruh terhadap kesejahteraan perekonomian .Hal ini dapat dilihat dimana mayoritas masyarakatnya juga berprofesi sebagai TKI di luar negeri. Sehingga jasa pengiriman uang luar negeri ini menjadi jasa yang paling diunggulkan pada Koperasi Syariah TKI Artha Mulya ini, karena jasa ini bisa membantu masyarakat luas khususnya para TKI dalam mengirimkan uang kepada keluarganya karena masyarakat masih lemah dalam penggunaan internet.
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