Praktik over kredit sepeda motor di bawah tangan studi kasus PT.FIFgroup Palangka Raya

Fitri, Asmahul (2021) Praktik over kredit sepeda motor di bawah tangan studi kasus PT.FIFgroup Palangka Raya. Undergraduate thesis, IAIN Palangka Raya.

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Skripsi Asmahul Fitri - 1702130101.pdf

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Abstract

Penelitian ini dilatarbelakangi dengan adanya aturan baru dalam perkreditan di dalam perjanjian leasing dimana pihak FIFGROUP Kota Palangka Raya tidak memperbolehkan adanya over kredit, akan tetapi dalam praktiknya masih ada beberapa debitur yang melakukan wanprestasi yaitu mengover kredit sepeda motornya di bawah tangan, yang mana hal ini bertentangan dengan aturan perjanjian awal. Penelitian ini difokuskan pada tiga permasalahan yaitu, (1) bagaimana pelaksanaan praktik over kredit sepeda motor di bawah tangan; (2) mengapa terjadi praktik over kredit sepeda motor di bawah tangan; (3) Bagaimana upaya dalam menyelesaikan permasalahan praktik over kredit sepeda motor di bawah tangan ditinjau dari hukum ekonomi Islam. Metode yang digunakan dalam penelitian ini yaitu dengan pendekatan kualitatif deskriptif. Hasil penelitian ini menunjukkan bahwa (1) melalui teori perjanjian pelaksanaan praktik over kredit sepeda motor di bawah tangan ini termasuk wanprestasi atau ingkar janji, pelaksanaan praktik yang dilakukan saat ingin melakukan over kredit yaitu pertama mencari penerima over kredit, lalu menyerahkan barang kredit tersebut dengan menggunakan akad jual beli serta tidak ada perjanjian hitam di atas putih. (2) melalui teori perlindungan hukum praktik over kredit sepeda motor di bawah tangan termasuk ke dalam pelindungan hukum represif berupa sanksi yang terjadi disebabkan karena beberapa faktor yaitu membutuhkan uang, ingin membayar hutang yang lain, ingin pindah ke luar pulau, proses yang lama, serta kurangnya pemahaman para pihak akan kesepakatan dalam isi kontrak dan anggapan mereka tentang akibat hukum yang tidak menimbulkan efek jera (3) melalui teori al-mas}lah}ah upaya penyelesaian permasalahan praktik over kredit sepeda motor di bawah tangan ditinjau dari Hukum Ekonomi Islam yaitu dengan menerapkan akad kafa>lah. Akad kafa>lah sejatinya adalah akad tabarru’ (tolong menolong), yang mana pihak kafil mendapatkan pahala atas penjaminan yang diberikannya.

ABSTRACT

This research based on the existence of new credit rules in the leasing agreement where the FIFGROUP of Palangka Raya City does not allow over credit, but in practice there are still some debtors who are in default, namely overwriting their motorcycle loans under their hands, which is agains the rules of the original agreement. with the terms of the original agreement. This research is focused on three problems, namely, (1) how the practice of over-crediting motorcycles is underhanded; (2) why does the practice of over-crediting motorcycles occurs under the hands; (3) How are the efforts to solving the problem of over-crediting motorcycle under the hands in terms of Islamic economic law. The method used in this study is a descriptive qualitative approach. The results of this study indicate that (1) through the theory of the agreement, the implementation of the practice of over-crediting motorbikes under the hands includes default or breaking promises, the implementation of the practice when you want to do over-credit, namely first looking for recipients of over-credit, then handing over the credit goods using a sale and purchase agreement and no black on white agreement. (2) through the theory of legal protection, the practice of over-crediting motorbikes under the hands is included in repressive legal protection in the form of sanctions that occur due to several factors, namely needing money, wanting to pay other debts, wanting to move outside the island, a long process, and lack of understanding of the parties to the agreement in the content of the contract and their perception of legal consequences that do not cause a deterrent effect ( 3) through the theory of al- al-mas}lah}ah, efforts to solve the problem of the practice of over-crediting motorbikes under the hands in terms of Islamic Economic Law, that by applying the kafa>lah contract. kafa>lah contract is actually a tabarru' (please help) contract, in which the kafil party gets a reward for the guarantee it provides.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Kredit;
Subjects: 18 LAW AND LEGAL STUDIES > 1801 Law > 180127 Mu'amalah (Islamic Commercial & Contract Law) > 18012799 Mu'amalah (Islamic Commercial & Contract Law) not elsewhere classified
Divisions: Fakultas Syariah > Jurusan Syariah > Program Studi Hukum Ekonomi Syariah
Depositing User: puttry puttry ekaputri
Date Deposited: 23 Jun 2022 07:17
Last Modified: 23 Jun 2022 07:17
URI: http://digilib.iain-palangkaraya.ac.id/id/eprint/3992

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