TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK UTANG PIUTANG DAN PENAGIHAN UTANG MELALUI MEDIA ONLINE (STUDI DI APLIKASI ADAKAMI.ID)

Zulfa Nur Haikal, NIM.: 17103080082 (2022) TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK UTANG PIUTANG DAN PENAGIHAN UTANG MELALUI MEDIA ONLINE (STUDI DI APLIKASI ADAKAMI.ID). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Currently, the practice of debt and receivables occurs in Islamic banking or institutions and also occurs online in various applications that are currently mushrooming and developing. In accounts payable through online media, money loan facilities by financial service providers who run their operations online and direct cash loans with very easy guarantees are alternative solutions for people who need direct funds without having to apply face-to-face and it doesn't take time. long time to get money directly. Almost all of the oddities regarding accounts payable in an application through online media are the same, one of which is the AdaKami application, namely the provisions on how to pay off debts on average are not appropriate. In addition, before the maturity date of debt repayment, the interest on the loan continues to increase if it exceeds the predetermined time limit. On online loan platforms, sometimes in the collection there are many who deviate and violate applicable rules and even enter into the personal realm. This research is a qualitative research using field research techniques and supported by library data. The data collection method uses the interview method. The object of the interview in this study is the AdaKami application user. The main problems in this study are: (1) How is the practice of accounts payable in the AdaKami application? (2) How is the review of Islamic law on accounts payable in the AdaKami application? (3) How is the review of Islamic law on billing on the AdaKami application?. In this study, it can be concluded that the debt and receivable activities in the Adakami application can be said to be safe because the AdaKami application has been officially registered by the OJK. Based on the theory of Islamic law, online credit in the AdaKami application is invalid because it explains that the additional price is included in interest, while interest in buying and selling transactions according to sharia is categorized as usury. It is very clear in Islam that riba is unlawful because it is the same as moneylenders who extort money from their customers, in taking interest in the AdaKami application there is an element of tyranny with the increasing interest if the customer cannot pay. The billing practices carried out by the AdaKami application are not in accordance with Islamic law. This is because in its billing practice the AdaKami application uses a troublesome method and can be said to violate ethics. AdaKami collects borrowers who are past due by taking the borrower's personal data, making threats, and coercion.

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