PRAKTIK JUAL BELI TITIP SISTEM PANJAR DALAM TINJAUAN HUKUM EKONOMI SYARIAH (Studi di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang)

NURDIANA, SURYANTO (2025) PRAKTIK JUAL BELI TITIP SISTEM PANJAR DALAM TINJAUAN HUKUM EKONOMI SYARIAH (Studi di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Praktik jual beli panjar yang terjadi di Toko 2 Putri Desa Hargomulyo yaitu dilakukan secara tertulis dengan membuat surat perjanjian yang berisikan mengenai jumlah barang yang dibeli serta harga keseluruhan barang yang dibeli dan jumlah uang panjar yang harus dibayar. Rumusan masalah dalam penelitian ini yaitu bagaimana praktik Jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang dan bagaimana tinjauan Hukum Ekonomi Syariah terhadap praktik jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang. Tujuan penelitian ini adalah untuk mengetahui praktik Jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang dan untuk mengetahui tinjauan Hukum Ekonomi Syariah terhadap praktik jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Kabupaten Tulang Bawang. Metode yang digunakan adalah metode kualitatif yaitu metode menghasilkan data deskriptif. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian lapangan (field research). Adapun data yang diteliti yaitu tentang praktik jual beli titip sistem panjar dalam tinjauan hukum ekonomi syariah di Toko 2 Putri Desa Hargomulyo Kecamatan Rawajitu Selatan Tulang Bawang. Berdasarkan hasil penelitian, maka dapat disimpulkan bahwa; 1) praktik jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo yaitu adanya kesepakatan antara pembeli dan penjual melalui akad tertulis. Transaksi jual beli titip panjar di toko 2 Putri selain akad terdapat sebuah perjanjian antara penjual dan pembeli yaitu dengan menyerahkannya sebuah jaminan yang berupa KTP dan Surat berharga lainnya seperti sertifikat tanah dan sawah. Namun praktik jual beli titip sistem panjar tidak dijalankan secara optimal karena barang tersebut akan dijual kembali dengan harga yang lebih tinggi tanpa sepengetahuan pemilik toko. 2) Tinjauan hukum ekonomi syariah terhadap praktik jual beli titip sistem panjar di Toko 2 Putri Desa Hargomulyo belum memenuhi prinsip hukum ekonomi syariah belum sesuai dengan aspek al wadī’ah karena jual beli titip dengan sistem panjar tersebut merugikan salah satu pihak yaitu si penjual (pemilik toko), karena tidak ada kejelasan waktu kapan pembeli akan melunasi uang panjarnya dan kapan mengambil barangnya. Kata Kunci: Jual Beli; Panjar; Hukum Ekonomi Syariah. ABSTRACT The practice of buying and selling down payment that occurs at Toko 2 Putri, Hargomulyo Village, is carried out in writing by making an agreement letter containing the number of goods purchased as well as the total price of the goods purchased and the amount of down payment that must be paid. The advance buying and selling carried out at Toko 2 Putri was carried out because it had become a community habit, even though the shop owner experienced a loss, this did not affect the building shop and they continued to use the advance system. The formulation of the problem in this research is how the practice of buying and selling entrusted with a deposit system at Toko 2 Putri, Hargomulyo Village, South Rawajitu District, Tulang Bawang Regency and how the Sharia Economic Law reviews the practice of buying and selling entrusted with a deposit system at Toko 2 Putri, Hargomulyo Village, South Rawajitu District, Tulang Bawang Regency. The method used is a qualitative method, namely a method of producing descriptive data. The type of research used in this research is field research. The data studied is about the practice of buying and selling entrusted with a retainer system in reviewing sharia economic law at Toko 2 Putri, Hargomulyo Village, South Rawajitu District, Tulang Bawang. Based on the research results, it can be concluded that; 1) the practice of buying and selling entrusted with a deposit system at Toko 2 Putri, Hargomulyo Village, is that there is an agreement between the buyer and the seller through a written contract. Then, with the consent and qabul and the making of a note, the agreement is based on the will of both parties without coercion, either regarding prices and payment agreements. In addition to the contract, there is an agreement between the seller and the buyer, namely by handing over a guarantee in the form of an ID card and other securities such as land and rice field certificates. However, the practice of buying and selling with a retainer system is not carried out optimally because the goods will be resold at a higher price without the shop owner's knowledge. 2) A review of sharia economic law regarding the practice of buying and selling on a retainer system at Toko 2 Putri, Hargomulyo Village, does not comply with the principles of sharia economic law because buying and selling on a deposit using the retainer system is detrimental to one party, namely the seller (shop owner), because there is no clear time when The buyer will pay the deposit and when to pick up the goods. Keywords: Buying and Selling; Panjar; Sharia Economic Law.

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