Buy and Sell Credit in the Perspective of Islamic Law
Keywords:
Buying and Selling, Credit, Islamic LawAbstract
Buying and selling is an activity that routinely occurs to a person so as to create interactions with each other. Things that happen in buying and selling are not only done in cash but also on credit. Lately, a lot of people are buying and selling on credit. In this sale and purchase, the buyer will pay for the desired item in installments within an agreed period of time. But of course the price will be more expensive than paying in cash. The additional price is a problem among scholars. Some say it is haram, halal and even syubhat. Apart from these differences of opinion, this credit (Taqsith) has benefits for both sellers and buyers, namely the seller can sell his goods quickly and buyers can get the goods they want even though they don't have enough money to buy them. In this study, buying and selling on credit is seen from an Islamic point of view accompanied by a study of several previous researchers. This research method uses a descriptive qualitative method in the form of field research, the data sources used in this research are interviews and obtained from books, journals and the internet. The conclusion in the interview The community has a diverse view of credit buying and selling in the perspective of Islamic law. Some of them see it as a legitimate and ethical financial solution, especially if the credit transaction does not involve usury. However, there are also those who feel that credit buying and selling can be a financial trap if not managed wisely, and it is important to ensure that credit transactions are conducted with transparency and fairness, without the element of usury. The results of this study show that buying and selling on credit is allowed in Islam, but there are certain conditions that must be carried out such as both parties agreeing to the aqad, not having to pay interest, not being gharar / deception, not being ribawi, besides that business ethics in Islam which is exemplified by Rasullulah must always be used by us such as Fathonah, Amanah, Siddiq, and Tabliq. The goal is to get blessings accompanied by the purpose of helping.
References
Adanan, M. N. (2016). Jual Beli kredit ditinjau dari Persrfrktif Hukum Islam. Vol 2. No. 2
Ahmad, A. (2019). Pinjaman Kredit dalam Persfektif Pendidikan Islam, Vol. 3. No. 2.
Ahmad, M., Anas, S. R. F. (2020). Model Jual Beli Kredit (Angsuran) Pada Lembaga Keuangan Islam Non Bank.
Ahyani, H., Slamet, M., Tobroni. (2021). “Building the Values of Rahmatan Lil ‟Alamin for Indonesian Economic Development at 4.0 Era from the Perspective of Philosophy and Islamic Economic Law,” Al-Ihkam : Jurnal Hukum & Pranata Sosial. Vol. 16, no. 1. 111–36, https://doi.org/10.19105/al-lhkam.v16i1.4550
Arisson. (2016). Praktek Jual Beli Hutang pada Pedagang Ayam di Kecamatan Kelayang Kabupaten Indragiri Hulu Ditinjau dari Ekonomi Islam. Hukum Islam. Vol. XVI. No. 2
Arqam, M. A., Sohrah, Hadi, D. M. (2023). Penerapan Akad Murabahah Pada Jual Beli Kredit di PT. Pilar Syariah Makassar dalam Persfektif Hukum Islam.
Departemen Agama RI. (2002). Al-Qur’an Al-Karim dan Terjemahannya. Semarang: Toha Putra Semarang.
Febriayu, L., Sari, S. I. A. P., Pujiastuti, W., Amelia, R. (2023). Hukum Riba Tunai dan Kredit Dalam Perpektif Ekonomi Islam. Vol. 2. No. 2
Ghazaly, A. R., dkk. (2012). Fiqh Muamalah. Jakarta: Kencana Prenada Media.
Herlina, Y., Lastfitriani, H. (2017). Kajian Hukum Islam Tentang Wanprestasi (Ingkar Janji) Pada Konsumen Yang Tidak Menerima Sertifikat Kepemilikan Pembelian Rumah. Hukum Islam. Vol XVII. No.1.
Huda, M., (2018). “Penyelesaian Sengketa Perbankan Syariah Di Indonesia,” El-Faqih : Jurnal Pemikiran Dan Hukum Islam. Vol. 4, No. 1. Halaman: 52–60, https://doi.org/10.29062/faqih.v4i1.2
Huda, M., (2019). “Intervensi Negara Melalui Lembaga Hisbah Untuk Keseimbangan Harga Dalam Perspektif Hukum Ekonomi Syariah,” El-Faqih: Jurnal Pemikiran Dan Hukum Islam Vol. 5, No. 2. Halaman: 62–81,https://doi.org/10.29062/faqih.v5i2.6
Imelda, M. S. (2022). Perilaku Konsumen Dalam Jual Beli Kredit Sepeda Motor Honda di Surabaya Menurut Perspektif Ekonomi Bisnis Islam.
Laskar Pelangi. (2013). Metodologi Fiqih Muamalah. Kediri: Lirboyo Press.
Mannan, M. A. (1992). Ekonomi Islam: Teori dan Praktek. Jakarta: PT Intermasa
Mubarok, (2017). Fiqh Muamalah: Akad Jual Beli, Bandung: Pustaka Setia.
Munawir, A. W. (1997). Kamus al-Munawir Arab-Indonesia Terlengkap (Surabaya: Pustaka Penerbit Progresif.
Mustofa, I. (2006). Fiqih Muamalah Kontemporer. Jakarta: Raja Grafindo persada.
Raihan, M., Rizka, A. (2023). Konsep Riba Jual Beli Kredit.
Sahrani, S., Abdullah, R. (2011). Fikih Muamalah. Bogor: Pustaka.
Syaifullah, M. S. (2014). Etika Jual Beli dalam Islam. Hunafa: Jurnal Studi Islamika. Vol. 11, No. 2.
Witro, D., Sar’an, M., & Effendi, D. (2021). Qaidah Furu‟ fi al-Riba dan Implementasinya. IQTISHADUNA, 12(1), 89–101
Zahra, A. M., Rachmad, R. K. (2023). Sistem Pembayaran Kredit Menurut Hukum Islam.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Syamsul Bahri, Amin Ilyas (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
