PRAKTIK UTANG-PIUTANG PADA SHOPEE PINJAM MENURUT TEORI QARD (STUDI KASUS DI DESA NGLANDUNG KABUPATEN MADIUN)

Abstract

This article aims to discuss, first, how qard analysis of the debt- repayment contract at Shopee Pinjam (SPinjam) in Nglandung Village RT 08 / RW 01, Geger District, Madiun Regency and secondly, how and analysis of the implementation of debt-repayment at Shopee Pinjam (SPinjam) in Nglandung Village RT 08 / RW 01, Geger District, Madiun Regency. As for the type, this research includes field research, while the approach used is qualitative. The data collection techniques used were in-depth interviews, observation, and documentation. The analysis method used in this research is the inductive method. From this research, it can be concluded that first, the practice of debt and credit in SPinjam carried out by the women of RT 08 Nglandung village uses sight mu'athah or sight which is not accompanied by a lafaz or only uses actions, and this is allowed according to the qard theory. Second, there are deductions for admin fees, interest, and late fees, which are included in usury and prohibited in Islamic law.