Mekanisme Denda Yang Adil Dalam Pembiayaan Akad Bai' Bitsman Ajil: Perspektif Ekonomi Islam
Kata Kunci:
Bai' Bithaman Ajil, Islamic economics, flexibility, transparencyAbstrak
Bai' Bithaman Ajil (BBA) is one of the financing instruments widely applied in the Islamic financial system, where buyers purchase goods with deferred payments in the form of installments. Despite offering a flexible financing alternative, the main challenge in the implementation of BBA contracts is a fair penalty mechanism, especially in the context of late payments by debtors. This research aims to explore a penalty mechanism that complies with Islamic economic principles, focusing on fairness, transparency, and avoiding usury. In Islamic economics, fines must be compensatory, proportionate, and not become an additional burden that harms the debtor. A fair fine mechanism must also pay attention to flexibility for customers experiencing economic difficulties, and avoid exploitation practices. This research uses a literature review approach and systematic analysis of relevant literature, with the aim of formulating policies that support more inclusive and equitable Islamic financing practices. The results show that the application of fines in BBA must consider the principles of justice, transparency, and the principle of rahmah in Islam, in order to create a balance between rights and obligations, and maintain social welfare. The implementation of a fair penalty mechanism is not only important to ensure contract compliance, but also to create trust between Islamic financial institutions and customers.
Unduhan
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