TINJAUAN SOSIOLOGI HUKUM ISLAM TERHADAP DISKON BUNGA PINJAMAN MODAL USAHA (STUDI KASUS PADA GABUNGAN KELOMPOK TANI DI DESA BENDUNG, KABUPATEN GUNUNGKIDUL)

SITI AMALIAH SHOFIATUN, NIM. 14380045 (2018) TINJAUAN SOSIOLOGI HUKUM ISLAM TERHADAP DISKON BUNGA PINJAMAN MODAL USAHA (STUDI KASUS PADA GABUNGAN KELOMPOK TANI DI DESA BENDUNG, KABUPATEN GUNUNGKIDUL). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The background of the problem in this research is to reveal the sociology of Islamic law perspektive of the system of interest rate on the business capital loan at the combined farmer group of Bendung village, Gunungkidul Regency. The interest rate on this business capital loan is only applicable and applied in Bendung Village. Research now aims to know the reasons why the Association of Farmers Group implements a discount on the interest of the business capital loan, while the Combined Farmer Group in other areas does not apply it. The research subject here is the combined board of Bend village farmers, village religious leaders, village heads, hamlets, and community members. While the object in this study is the application of interest discounts in business capital loans. This research is field research which is conducted directly in the field or location. The subject matter consists of reasons, impacts, views of the figures, and sociological perspective of Islamic law. Data collection is using observation, interviews, and documentation. The analysis of data used is descriptive analytics, which explains or gives an idea of how the public view of the system of interest discounted loans made by the combined group of kani Bendung village in terms of Islamic legal sociology. The research finding shows that the theoretical application of interest rate of business capital loan in its contract is based on mutual trust and mutual agreement, according to Islamic law the contract is legitimate, because in Islam, verbal countract is also allowed. In this practice, apply a discount system derived from all interest by 20%. Its implementation contains benefits based on voluntary and collective agreements. Therefore, the implementation of this discount included in 'urf saheeh. The interest is the result of productive loans, whose profit is also used for strengthening cash and village development funds. Discount on loan interest has positive and negative impacts so that its implementation also has good and bad. The positive sociological impacts of activities in farmer group associations can influence the routine customer installment, the creation of the borrower's spiritual needs, the community interact with each other, and the members can expand their efforts to increase income. On the other hand the negative impact is tend to borrow at the institution and is reluctant to switch to borrow in the lighter institution interest, and the community becomes dependent to borrow again, even to meet consumer needs.

Item Type: Thesis (Skripsi)
Additional Information / Pembimbing: Dr. Mochamad Sodik, S.Sos., M.Si.
Uncontrolled Keywords: Discounts, Loans, Sociology of Islamic Law
Subjects: Ekonomi Syariah
Muamalat
Divisions: Fakultas Syariah dan Hukum > Hukum Ekonomi Syari'ah (S-1)
Depositing User / Editor: H. Zaenal Arifin, S.Sos.I., S.IPI.
Date Deposited: 09 Jan 2019 03:23
Last Modified: 09 Jan 2019 03:23
URI: http://digilib.uin-suka.ac.id/id/eprint/32321

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