PENERAPAN AL-QARDL PADA BANK KELILING (STUDI KASUS DI GRUGEK DESA SEJATI KECAMATAN CAMPLONG KABUPATEN SAMPANG)
Abstract: owe (al-qardl) is
one of the transactions that is allowable in Islam. To lend, from the
perspective of fiqh muamalah it is known as al-Qardl, is the process of hand
over of wealth or al-mitsliyat to other people that the payment must be
collected. In other word, it is a transaction that aimed to give al-mitsliyat
over other people to be recollected with the similar al-mitsliyat. This kind of
transection had been done in the era of prophet. As it becomes a phenomenon at
Grugek, one of the sub-villages of Sejati village, Camplong district in Sampang
regency. In Grugek, people owe money from a mobile-bank mostly for a
consumptive objective and only a few of them use the money for something
productive. Based on this phenomenon, the research is focused on the following
problems: (a) how is the implementation of al-qardl transection promoted by
mobile bank in Grugek sub-village, Sejati Village, Camplong district, Sampang
Regency? (b) Why do people of Grugek sub-village, Sejati Village, Camplong
district, Sampang regency tends to owe money from the mobile-bank than from
official bank? This is a qualitative field research in form of case study that
employs the result of interview and observation as primary data. The
instruments that have been used to collect and check the data validity are intent
observation, description, triangulation, and case analysis. The research result designates that: (1) the
implementation of al-qardl is completed in easy ways; showing ID, no
prerequisite and regulation as must be fulfilled in fiqh muamalah about the execution
of interest in its implementation; (2) the people of Grugek owe money from
mobile bank with several reasons: firstly, the process of credit is simpler
than official bank does, easiness, no survey, only ID identification, people
are allow to owe many times; secondly,
people still do not know syariah finance institution that offers the
product of al-qardl al-hasan.
Penulis: Sakinah
Kode Jurnal: jpperadabanislamdd160128
