TINJAUAN HUKUM ISLAM TENTANG ALASAN SUAMI MENTALAK ISTRI KARENA BERHUTANG PADA RENTENIR (Studi di Desa Tanjung Jati Kecamatan Warkuk Ranau Selatan Kabupaten Ogan Komering Ulu Selatan)

SEPTA, RIA ADI UTAMA (2025) TINJAUAN HUKUM ISLAM TENTANG ALASAN SUAMI MENTALAK ISTRI KARENA BERHUTANG PADA RENTENIR (Studi di Desa Tanjung Jati Kecamatan Warkuk Ranau Selatan Kabupaten Ogan Komering Ulu Selatan). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Dalam kasus cerai talak yang terjadi di Desa Tanjung Jati Kecamatan Warkuk Ranau Selatan Kabupaten Ogan Kumering Ulu Selatan suami mentalak istri karena istrinya yang kerap kali berhutang kepada rentenir guna memenuhi gaya hidupnya sehari-hari. Hal ini didasari karena banyaknya orang yang sering datang ke rumah secara silih berganti guna menagih hutang kepada sang istri dan itu semua pada awalnya di luar sepengetahuan sang suami yang memang sengaja ditutup-tutupi oleh sang istri. Namun seiring berjalannya waktu semua itu diketahui oleh sang suami yang merasa curiga dengan tingkah laku sang istri serta besarnya biaya pengeluaran rumah tangga yang kerap kali diberikan namun tetap merasa kurang, sehingga pada akhirnya diketahui bahwa uang yang selalu diberikan ternyata digunakan untuk menutupi hutang-hutang yang jumlahnya cukup besar. Perilaku boros dari pasangan dalam rumah tangga ketika menimbulkan rasa tidak nyaman dari pasangan lainnya, tentunya dapat mengganggu keharmonisan bahtera rumah tangga. Permasalahan dalam penelitian ini mengenai apa alasan Suami Mentalak istri karena berhutanga kepada rentenir, serta bagaimana tinjauan hukum islam tentang alasan suami mentalak istri karena berhutang kepada rentenir. Jenis Penelitian ini adalah penelitian lapangan (field research), yang bertujuan untuk menggambarkan suatu fenomena. Sumber data yang digunakan adalah data primer dan data sekunder. Data dikumpulkan melalui observasi, dokumentasi, dan wawancara. Metode sampling yang digunakan adalah metode peluang untuk menentukan sampel penelitian. Setelah semua data terkumpul, data tersebut diproses dan dianalisis secara deskriptif kualitatif, kemudian kesimpulan ditarik secara deduktif. Berdasarkan penelitian ini, alasan suami mentalak istri karena berhutang pada rentenir sangat kompleks, melibatkan faktor keuangan, sosial, moral, dan emosional. Beban finansial yang berat, pelanggaran terhadap nilai-nilai agama, serta kerusakan kepercayaan dalam hubungan sering kali menjadi alasan utama. Namun, dalam Islam, talak seharusnya menjadi jalan terakhir setelah berbagai upaya perbaikan dilakukan, termasuk mediasi dan komunikasi terbuka antara suami dan istri. Sedangkan Dari sudut pandang hukum Islam, mentalak istri karena alasan berhutang pada rentenir bukanlah alasan yang cukup kuat untuk perceraian. Islam mengajarkan agar suami dan istri bekerja sama menghadapi masalah, termasuk masalah keuangan. Suami seharusnya tidak menggunakan hutang istri sebagai alasan untuk bercerai tanpa terlebih dahulu berusaha menyelesaikan masalah dengan cara yang sesuai dengan ajaran Islam. Perceraian hanya boleh dilakukan sebagai solusi terakhir setelah segala usaha rekonsiliasi, termasuk mediasi, tidak membuahkan hasil. Kata kunci : Talak, Rentenir, Hukum Islam. ABSTRACT In the divorce case that occurred in Tanjung Jati Village, Warkuk Ranau Selatan District, South Ogan Kumering Ulu Regency, the husband mentally abandoned his wife because her wife often owed debts to loan sharks to fulfill her daily lifestyle. This was based on the fact that many people often came to the house one after another to collect debts from the wife and this was all initially beyond the husband's knowledge and was deliberately covered up by the wife. However, as time went by, the husband became aware of all this, who felt suspicious of his wife's behavior and the large amount of household expenses that she often gave but still felt it was not enough, so that in the end it was discovered that the money that was always given was actually used to cover the debts that were owed. the number is quite large. Wasteful behavior from a partner in the household when it causes discomfort from the other partner, can certainly disrupt the harmony of the household. The problem in this research is regarding the reasons why husbands abuse their wives because they are in debt to loan sharks, as well as how Islamic law reviews the reasons why husbands abuse their wives because they are in debt to loan sharks. This type of research is field research, which aims to describe a phenomenon. The data sources used are primary data and secondary data. Data was collected through observation, documentation and interviews. The sampling method used is the opportunity method to determine the research sample. After all the data is collected, the data is processed and analyzed descriptively qualitatively, then conclusions are drawn deductively. Based on this research, the reasons why husbands abuse their wives because they owe money to loan sharks are very complex, involving financial, social, moral and emotional factors. Heavy financial burdens, violations of religious values, and damage to trust in relationships are often the main reasons. However, in Islam, divorce should be the last resort after various remedial efforts have been made, including mediation and open communication between husband and wife. Meanwhile, from the perspective of Islamic law, a wife's attitude towards being in debt to a loan shark is not a strong enough reason for divorce. Islam teaches that husbands and wives should work together to face problems, including financial problems. Husbands should not use their wives' debts as an excuse for divorce without first trying to resolve the problem in a way that is in accordance with Islamic teachings. Divorce should only be done as a last solution after all attempts at reconciliation, including mediation, have failed. Keywords: Divorce, loan sharks, Islamic law

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