PEMANFAATAN GADAI SAWAH OLEH KREDITUR PERSPEKTIF HUKUM EKONOMI SYARIAH
Abstract
This study focuses on the use of field pawns by creditors in Ogoamas 1 Village, North Sojol District, Donggala Regency. What is the review of sharia economic law on the use of field pawning by creditors, and how the implementation of reforms that can be carried out by the people of Ogoamas 1 Village on the practice of pawning rice fields that they do. The results of this study indicate that the practice of pawning rice fields carried out by the community in Ogoamas 1 Village, they pawned their fields within a certain period of time and during that time all the proceeds from cultivating the fields belonged to the creditor. In a review of sharia economic law, the practice of pawning that occurs there as a whole, its application is not in accordance with Islamic law because there is still an element of injustice, namely that most of the benefits of rice fields are taken by creditors, these benefits are not allowed for him because they come from debt that brings profits. Literacy related to Islamic law is needed for pawners if they only take benefits according to the maintenance costs incurred and no more.
Abstrak
Penelitian ini berfokus terhadap kreditur yang memanfaatkan objek gadai berupa sawah di Desa Ogoamas 1 Kecamatan Sojol Utara Kabupaten Donggala. Seperti apa tinjauan hukum Islam terhadap pemanfaatan objek jaminan berupa sawah oleh kreditur, serta bagaimana implementasi pembaruan yang dapat dilakukan masyarakat Desa Ogoamas 1 terhadap praktik gadai sawah yang mereka lakukan. Hasil penelitian ini menunjukkan bahwa praktik gadai sawah yang dilakukan masyarakat di Desa Ogoamas 1, mereka menggadaikan sawah mereka dalam jangka waktu tertentu dan dalam waktu tersebut seluruh hasil dari penggarapan sawah merupakan milik kreditur. Dalam tinjauan hukum Islam penerapan jaminan/gadai yang terjadi, penerapannya belum sesuai dengan syariat Islam karena masih terdapat unsur ketidak adilan yakni pengambilan manfaat sawah sebagian besar diambil oleh kreditur, manfaat tersebut tidak boleh baginya karena berasal dari utang yang mendatangkan keuntungan. Literasi terkait hukum Islam diperlukan bagi pelaku gadai ialah sekiranya hanya mengambil manfaat sesuai dengan biaya pemeliharaan yang dikeluarkan dan tidak lebih.
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