Internalization. Analysis with Theory of Constructive.

product, but it can become a productive social product. Community needs to continue to increase along with increasing consumption. For the author of al-hasan qard importance not only as a loan product, recalled the impact can affect the economy. Although in practice the Islamic bank or BMT only provide relatively small fund for such help, but still give meaning to those who receive these products. As an example of someone who applied to be the capital as Small medium enterprise SME, this can make productive loans and can provide a positive impact for the people themselves, the lender, as well as to the surrounding environment. When a loan qard al-hasan as a form of loan capital and work, when it also will fund qard al-hasan can rotate back into good loans for the needy. In general, SMEs in the national economy has a role: 1 a leading role in economic activity, 2 the provider largest employer, 3 a significant player in the development of the local economy and community empowerment, 4 the creators of new markets and sources of innovation, and 5 contribution to the balance of payments. Therefore, empowerment must be done in a structured and sustainable, with the direction of increasing productivity and competitiveness, and fostering new entrepreneur formidable Zuhal, 2010. One of the benefits of SMEs is, sometimes she is very agile for opportunities to innovate to implement new technologies than large companies that have been established. Not surprisingly in this era of global competition today many large companies that rely on small and medium suppliers. Surely this is an opportunity for us to also engaged in the global era at the same time moving the real economic sector In the book Economic Development Todaro in Zuhal, 2010 suggests that the success of the economic development of post-crisis Indonesia relies heavily on the ability to realize the development that is really oriented to the people , SMEs or cooperatives selected as the representation of the peoples economy because in addition to absorbing a workforce of approximately 90 percent, as well as purchase value-added about 56 percent where the agricultural sector plays an important role is very large about 70 percent. Source: Developed by Author FIGURE 4.10 Concept of Qard Al-Hasan Toward Economy