FAKTOR DEBITUR MEMILIH APLIKASI KREDIVO DALAM PINJAMAN UANG (TINJAUAN SOSIOLOGI HUKUM ISLAM)

M. Iska Izzul Muslimin, NIM.: 18103080043 (2022) FAKTOR DEBITUR MEMILIH APLIKASI KREDIVO DALAM PINJAMAN UANG (TINJAUAN SOSIOLOGI HUKUM ISLAM). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

One of the fintech applications currently running in Indonesia and used by our society is Kredivo. Kredivo is an application that is engaged in digital credit where in this application we are made easier in terms of instant credit offered by Kredivo. One of the services provided by Kredivo is a cash loan. Cash or cash loans are widely used by people because of their convenience, which our society tends to like things that are instant and fast. In this study using a qualitative method with a descriptive nature of research with a review of the sociology of Islamic law. Meanwhile, the approach uses a sociological approach to Islamic law. Data collection techniques were carried out by means of observation, interviews and documentation. The formulation of the problem in this study is how to examine the sociology of Islamic law regarding the reasons for the practice of receivables through online media on the Kredivo Application, what are the motives that make debtors make transactions, analysis of debtor reasons is reviewed based on the sociology of Islamic law. The result of this study is that the credit on the Kredivo Application is not registered with the OJK. Then the motive for the debtor to make transactions on the Kredivo Application is because of the need for daily funds and emergency funds that become habits and customs (‘urf), in the community. Habits carried out by debtors are actually included in fāsid actions which are not justified.

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