TINJAUAN SOSIOLOGI HUKUM ISLAM TERHADAP PRAKTIK PENGGUNAAN LAYANAN PINJAMANUANG KULIAH PADA APLIKASI CICIL.CO.ID

Dian Surya Dewi Anjani, NIM.: 18103080081 (2022) TINJAUAN SOSIOLOGI HUKUM ISLAM TERHADAP PRAKTIK PENGGUNAAN LAYANAN PINJAMANUANG KULIAH PADA APLIKASI CICIL.CO.ID. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The practice of financial technology-based lending or commonly referred to as online loans provided by loan service platforms is currently in great demand by the public, one of which is the tuition loan service on the Cicil.co.id application. Behind the convenience and practicality offered is the application of margin, users also have to pay a down payment in advance as a condition for applying for a loan and pay a fairly high late fee per week if it is past due. However, this does not dampen the interest of students as users who are mainly Muslim to use the tuition loan service on the Cicil.co.id application. This study tries to answer the questions: Why is the use of tuition loan services on the Cicil.co.id application still ongoing among students who are mainly Muslim in the city of Yogyakarta?. How is the mechanism for using the tuition loan service in the Cicil.co.id application run?. and what is the view of the sociology of Islamic law on the use of tuition loan services on the Cicil.co.id application?. This research is a qualitative research using a sociological approach, as well as the type of research field research (field research) with research methods of observation, interviews, and documentation. This study uses the theoretical framework of qardh (debts), the paradigm of social facts, and the sociology of Islamic law. This study shows that the practice of using tuition loan services on the Cicil.co.id application in the city of Yogyakarta is motivated by several factors, namely economic factors, trust factors, group social factors and emotional factors (feelings). The use is still ongoing due to lack of education costs so they are forced to take loans. In terms of the mechanism for using the tuition loan service in the Cicil.co.id application, the first user only needs to register their personal data by verifying their KTP, KTM and filling in the guarantor's profile data to support the loan application process. Based on the analysis using Emile Durkheim's theory, its use is included in the social fact paradigm that is forcing individuals or determined coercive. Judging by Islamic law, the practice of using it has fulfilled the pillars of qardh (debts), while in the study of the sociology of Islamic law regarding the application of a fairly high fine, it reduces the nature of helping in qardh and enters into 'urf fasid, but here what can be stated in The urf fasid is not the entirety of the loan application, but only in terms of the application of the fine, because from the past, late fees have often been carried out in fintech and financial institutions.

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