TINJAUAN HUKUM EKONOMI SYARI’AH TERHADAP WANPRESTASI NASABAH DALAM AKAD MURABAHAH DI UNIT LAYANAN MODAL MIKRO (ULaMM) SYARI’AH UNIT KECAMATAN BOJONG KABUPATEN TEGAL

Azyu Mahdi Azro, NIM.: 19103080048 (2024) TINJAUAN HUKUM EKONOMI SYARI’AH TERHADAP WANPRESTASI NASABAH DALAM AKAD MURABAHAH DI UNIT LAYANAN MODAL MIKRO (ULaMM) SYARI’AH UNIT KECAMATAN BOJONG KABUPATEN TEGAL. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The Sharia Micro Capital Services Unit (ULaMM) is a financing distribution that is carried out in accordance with sharia provisions. Apart from providing capital, there are also training programs, consultations and financial management assistance. One of the financing products that customers are most interested in is murabahah. With the advantage of a simple process and affordable capital. However, in practice, default problems often occur where customers are unable to fulfill their obligation to pay installments according to the agreement. This research uses a qualitative approach with field research methods to analyze the Sharia Economic Law Review in default practices by customers in the Sharia Micro Services Unit (ULaMM). The approach used is empirical juridical legal research. The type of data used consists of primary and secondary data. Data collection techniques used include observation (participatory or non-participatory), unstructured interviews (direct conversations with informants without a standard question sequence), and documentation (literature study to collect data related to ULaMM customers who default on murabahah contracts). In this research, it can be concluded that forms of default by customers against ULaMM include promises to pay installments in the future but failing to fulfill obligations at the specified time, as well as avoiding payments when they are due. This practice can be caused by several factors, such as bad intentions in fulfilling installments, a decline in business conditions, the existence of debt elsewhere, as well as negligence or indifference to payment obligations. Meanwhile, from the Sharia Economic Law Review, the application of ta’zîr to customers who default is not fully appropriate, because ULaMM imposes fines on customers without considering the factors causing the default.

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