TINJAUAN HUKUM ISLAM TERHADAP PENYELESAIAN UTANG NASABAH PERBANKAN OLEH PT AMALAN INTERNATIONAL INDONESIA

Naili Sumaiya, NIM:18203010133 (2020) TINJAUAN HUKUM ISLAM TERHADAP PENYELESAIAN UTANG NASABAH PERBANKAN OLEH PT AMALAN INTERNATIONAL INDONESIA. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

PT Amalan International Indonesia is a social-based company as a bank customer loan settlement that helps settle customer debts through relief negotiations. A numerous amount of non performance loan (NPL) in Indonesia was encouraging the company to provide a relief based on profit to the customer of many banks. This profit-oriented company offers various programs to settle customer loans by setting a fee for the success of the negotiations carried out (success fee). This service company has a relationship with an interest-based conventional bank to assist bank clients / customers in negotiating their debts, so that the programs offered need to be seen further from the perspective of Islamic law. This research is a type of field research using a normative approach. The data obtained from the research object in the form of qualitative data will be described descriptively and analytically. While the data collection techniques used in this study were interviews and documentation. In this case, data analysis will be carried out with an inductive pattern. The theory used in this research is a theory of credit to see the steps of bank customer credit restructuring and service theory in Islam. The results showed that debt settlement carried out by Amalan was against credit cards, KTA, KPR and KMG home guarantees, by negotiating in the form of a total bill discount, discounted installments, lower monthly installments, and long-term installments. The settlement is offered in two program forms, namely a debt management program and a refinancing program. The first program followed by the majority of Amalan's clients is a service offering for bank restructuring steps that can be taken in non-performing loans. The services offered in Islam can be classified in the form of ija> rah or waka> lah bi al-ujrah. This program does not contradict Islamic law because it is a charity to help someone free from ribawi debt and fulfill the two elements of the contract. Meanwhile, the refinancing program offered is incompatible with Islamic law because the refinancing transfer services offered come from banks that remain interest-based, which should be done by transferring to Islamic banks, so this makes their services do not meet the requirements of the two contracts.

Item Type: Thesis (Masters)
Additional Information: PROF. DR. DRS. H. MAKHRUS, S.H., M.HUM.
Uncontrolled Keywords: PT Amalan, debt settlement, Islamic law
Subjects: Ilmu Hukum
Divisions: Fakultas Syariah dan Hukum > Magister Ilmu Syari'ah (S2)
Depositing User: Drs. Mochammad Tantowi, M.Si.
Date Deposited: 25 Oct 2021 10:59
Last Modified: 25 Oct 2021 10:59
URI: http://digilib.uin-suka.ac.id/id/eprint/45865

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