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All Journal JURISTA : Jurnal Hukum dan Keadilan Al-Mudharabah
Nahara Eriyanti
Universitas Islam Negeri Ar-Raniry Banda Aceh, Indonesia
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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UNDER-THE-COAT CAR CREDIT SALES PRACTICES UNDER ISLAMIC ECONOMIC LAW: A STUDY AT THE IJONK JAYA MOBIL SHOWROOM IN ACEH BESAR REGENCY Aulia Dhuhri Phonna; Nahara Eriyanti
JURISTA: Jurnal Hukum dan Keadilan Vol. 10 No. 1 (2026): JURISTA: Jurnal Hukum dan Keadilan
Publisher : Centre for Adat and Legal Studies of Aceh Province (CeFALSAP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jurista.v10i1.382

Abstract

The growing demand for motor vehicles has led to the emergence of informal car credit sales as an alternative form of financing that is easier and more flexible. This study aims to analyse the practice of private car credit sales, identify the factors underpinning it, and examine its compatibility with the principles of Islamic economic law. This study employs a qualitative approach using field research methods, with data collection techniques including interviews, observation, and documentation. The results indicate that these credit transactions are conducted directly between the seller and the buyer without involving formal financing institutions, based on simple agreements founded on trust. The primary factors underpinning this practice include ease of access, consumers’ economic circumstances, business strategies of the operators, and the influence of the social environment. A review of Islamic economic law indicates that these practices do not yet fully comply with the principles of contractual clarity, justice, and transparency, and thus potentially contain elements of gharar and legal uncertainty. Therefore, improvements are required in the transaction system through the drafting of clearer contracts and an enhanced public understanding of the principles of Islamic economic law to ensure fair, secure, and Sharia-compliant transactions.
RISK PROTECTION SYSTEM IN THE PROCUREMENT OF SECOND-HAND CARS ACCORDING TO THE MABI’ CONCEPT IN THE BAI’ MUSAWWAMAH CONTRACT T Fariz Barizki; Bukhari Ali; Nahara Eriyanti
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 7 No. 1 (2026): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

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Abstract

Used car showrooms in Banda Aceh demonstrate that this industry plays an important role in providing more affordable vehicle alternatives for the community. Showrooms such as Nazwa Jaya Mobil and Graha Jaya Mobil offer a wide selection of used vehicles that have undergone rigorous inspections to ensure quality, as well as after-sales services, including warranties and maintenance. With different approaches, these two showrooms have succeeded in attracting consumers by providing high-quality vehicles and flexible financing options. In addition, showroom owners’ ability to assess the condition of used cars suitable for resale is very important for maintaining consumer trust and preventing fraud that can harm both the showroom and the buyer. Furthermore, in terms of risk protection in used car purchase transactions, showroom owners make various efforts to protect their businesses. Measures such as strict supplier selection, vehicle condition checks, clear supplier contracts, and vehicle insurance are part of risk mitigation efforts. In the context of Fiqh Muamalah, the application of the mabī concept in the bai musāwamah contract provides a strong basis for risk protection, emphasising transparency of information, honesty regarding vehicle condition, and the use of written contracts to regulate the rights and obligations of both parties. Thus, the risk protection system applied in used car transactions can minimise losses and increase the sustainability of the showroom business.
Co-Authors Aulia Dhuhri Phonna Bukhari Ali T Fariz Barizki