Transaksi Produk Finance Leasing Pada Syariah Bank Kal-Sel Syariah di Jalan s. Parman Kota Banjarmasin (STUDI Perspektif Hukum Ekonomi Syariah (Transactions of Leasing Finance Products at Sharia Bank Syariah Cells in Jalan s. Parman Banjarmasin City (STUDY of Islamic Economic Law Perspective.)

Aprilia, Nurima Tri (2021) Transaksi Produk Finance Leasing Pada Syariah Bank Kal-Sel Syariah di Jalan s. Parman Kota Banjarmasin (STUDI Perspektif Hukum Ekonomi Syariah (Transactions of Leasing Finance Products at Sharia Bank Syariah Cells in Jalan s. Parman Banjarmasin City (STUDY of Islamic Economic Law Perspective.). Diploma thesis, Universitas Islam Kalimantan MAB.

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Abstract

Dalam perjanjian ijarah (leasing) tidak mutlak membebankan pengusaha dengan agunan-agunan tertentu, kalaupun ada kollateral (jaminan) jumlahnya tidak lebih dari 50% dari harga sewa. Terkadang dalam sebuah perusahaan leasing sering kurang memperhatikan hak nasabahnya sehingga mereka hanya menuntut hak perusahaan dari kewajiban nasabah kepada pihak perusahaan. Syariah Bank Kalsel Syariah di Jalan S.Parman Kota Banjarmasin masih kurang menerapkan dengan baik karena saat transaksi terjadi kurang menerapakan hukum islam yang berlaku terutama dalam proses ekomoni syariah. Tujuan penelitian ini untuk mengetahui cara pelaksanaan ijarah (leasing) pada transaksi finance leasing Bank Kalsel Syariah di Jalan S. Parman Banjarmasin. Untuk mengetahuai tinjauan hukum Ekonomi Syariah tentang transaksi finance leasing Bank Kalsel Syariah di Jalan S.Parman Kota Banjarmasin. Metode penelitian menggunakan pendekatan kualitatif dengan metode deskriptif. Alat pengumpulan data menggunakan wawancara, observasi dan dokumentasi. Sumber data mengguankan data primer dan data sekunder. Analisis data menggunakan analisa deskriptif dan analisa induktif . Hasil penelitian bahwa Cara pelaksanaan ijarah (leasing) pada transaksi finance leasing Bank Kalsel Syariah di Jalan S. Parman Banjarmasin yaitu sistem angsuran yang diberlakukan oleh Bank Syariah Kalsel Banjarmasin menggunakan kredit dan ada masa Flat atau masa tenggang waktunya dan jika tidak membayar mendapatkan denda. Tinjauan hukum Ekonomi Syariah tentang transaksi finance leasing Bank Kalsel Syariah di Jalan S.Parman Kota Banjarmasin yaitu ada beberapa hal dalam leasing yang tidak sesuai dengan syari’at Islam. Oleh karena itu, perlu ada muamalah alternatif yang manfaat dan kegunaannya sama, serta legal menurut syari’at Islam. Alternatif dimaksud adalah al bai’ bid dain (jual-beli dengan hutang) yang salah satu turunannya adalah bai’ bitsaman ajil. Berdasarkan alasan di atas, maka leasing dengan hak opsi (finance lease), atau yang dikenal dengan sebutan leasing saja, hukumnya haram. In an ijarah agreement (leasing), it does not absolutely burden the entrepreneur with certain collateral, even if there are collateral (collateral) the amount is not more than 50% of the rental price. Sometimes in a leasing company often does not pay attention to the rights of its customers so they only demand the company's rights from the customer's obligations to the company. Sharia Bank of South Kalimantan Sharia in Jalan S.Parman, Banjarmasin City still does not apply well because when the transaction occurs it does not apply the applicable Islamic law, especially in the sharia economic process. The purpose of this study was to determine how the implementation of ijarah (leasing) on the finance leasing transaction of the Sharia Bank of South Kalimantan on Jalan S. Parman Banjarmasin. To find out the review of Sharia Economic law regarding Islamic leasing transactions at the South Kalimantan Sharia Bank in Jalan S.Parman, Banjarmasin. The research method uses a qualitative approach with descriptive methods. Data collection tools using interviews, observation and documentation. Data sources use primary data and secondary data. Data analysis uses descriptive analysis and inductive analysis The results of the study show that the implementation of ijarah (leasing) on the finance leasing transaction at the Sharia Bank of South Kalimantan on Jalan S. Parman Banjarmasin is an installment system that is applied by the Sharia Bank of South Kalimantan Banjarmasin using credit and there is a flat period or a grace period and if not paying a fine. Review of Islamic Economic law concerning Islamic finance leasing transactions at Jalan S.Parman Banjarmasin, namely, there are several things in leasing that are not in accordance with Islamic sharia. Therefore, there needs to be an alternative muamalah that has the same benefits and uses, and is legal according to Islamic sharia. The alternative referred to is al bai 'bid dain (trading with debt), which one of the derivatives is bai' bits ajil. Based on the above reasons, leasing with option rights (finance lease), or what is known as leasing, is forbidden.

Item Type: Thesis (Diploma)
Uncontrolled Keywords: Transaksi, Finance Leasing, Perspektif, Hukum Ekonomi Syariah Transactions, Finance Leasing, Perspective, Sharia Economic Law
Subjects: K Law > K Law (General)
Depositing User: Nurima Tri Aprilia
Date Deposited: 05 Apr 2021 04:31
Last Modified: 05 Apr 2021 04:31
URI: http://eprints.uniska-bjm.ac.id/id/eprint/4698

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