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Journal : El-Iqtishady

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ANALISIS RESPON MASYARAKAT MUSLIM DALAM MENGGUNAKAN JASA "BANK EMOK" DI DESA MARGAMUKTI KECAMATAN PANGALENGAN KABUPATEN BANDUNG DALAM PERSPEKTIF SYARIAH Mohammad Topang Ramadan Hizbun Nasyeer; Miftahudin
El-Iqthisadi Volume 6 Nomor 1 Juni 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.46449

Abstract

Abstrak Masyarakat Desa Margamukti, Kecamatan Pangalengan Kabupaten Bandung, selama ini telah mengandalkan pinjaman dari rentenir, yang dikenal sebagai "Bank Emok," untuk memenuhi kebutuhan konsumtif. Hal ini disebabkan oleh ketidakpastian penghasilan dari pekerjaan mereka, yang belum mampu memenuhi kebutuhan atau keperluan secara cepat. Tujuan dari penelitian ini adalah untuk mengetahui respon masyarakat muslim di Desa Margamukti, Kecamatan Pangalengan, Kabupaten Bandung, terhadap keberadaan "Bank Emok." Selain itu, penelitian ini bertujuan untuk mengidentifikasi pandangan syari’ah terhadap jasa praktek ’’Bank Emok’’ ini. Metode penelitian yang digunakan adalah kualitatif , Pengumpulan data dilakukan dengan menggabungkan berbagai teknik, analisis data bersifat induktif, mengingat data yang dikumpulkan bersifat kualitatif dan situasi lapangan penelitian bersifat alamiah tanpa manipulasi atau eksperimen. Teknik pengumpulan data melibatkan dokumentasi, observasi dan wawancara. Hasil penelitian menunjukkan bahwa respon masyarakat terhadap penggunaan jasa praktek "Bank Emok" cukup antusias yaitu sebesar 59.91% atau 1.040 orang dari 1.736 Kk di RT 09 RW 26 Desa Margamukti Kecamatan Pangalengan terjerat Bank Emok. Maka dari segi perspektif syariah, antusiasme masyarakat harus dihentikan. Karena didalamnya mengandung unsur riba dan kafalah yang cacat, yaitu rata-rata bunga dari pinjaman sebesar 20% dan tanggung renteng pada Bank emok ini menghadapi sejumlah masalah, baik konflik internal maupun eksternal, dan tetap bersifat haram karena yang ditanggung adalah utang riba sehingga dapat merugikan bagi masyarakat Desa Margamukti Kecamatan Pangalengan. Kata Kunci :Bank Emok, Perspektif Syariah, Respon Masyarakat   Abstract The people of Margamukti Village, Pangalengan Subdistrict, Bandung Regency, have been relying on loans from moneylenders, known as "Bank Emok," to fulfill consumptive needs. This is due to the uncertainty of income from their work, which has not been able to fulfill needs or necessities quickly. The purpose of this study is to determine the response of the Muslim community in Margamukti Village, Pangalengan Subdistrict, Bandung Regency, to the existence of "Bank Emok". In addition, this study aims to identify the shariah view of the "Bank Emok" service practice. The research method used is qualitative, data collection is done by combining various techniques, data analysis is inductive, considering that the data collected is qualitative and the research field situation is natural without manipulation or experimentation. Data collection techniques involve documentation, observation and interviews. The results showed that the community's response to the use of the practice of "Bank Emok" is quite enthusiastic, namely 59.91% or 1,040 people out of 1,736 Kk in RT 09 RW 26 Margamukti Village, Pangalengan District. So in terms of sharia perspective, the enthusiasm of the community must be stopped. Because it contains elements of usury and defective kafalah, namely the average interest on loans of 20% and joint responsibility at Bank Emok faces a number of problems, both internal and external conflicts, and remains haram because what is borne is usury debt so that it can be detrimental to the people of Margamukti Village, Pangalengan District. Keywords: Bank Emok, Community Response, Sharia Perspective
Co-Authors Achmad Rijanto Adi Nur Cahyono Afdal, Zul Agus Gunawan Ahmad Ahmad Ahmad Ahmad Rizky Waluyo Ahsan, Muhammadi Ghozian Kafi Ajizah, Ratna Utami Nur Alfian Hidayat Amin, Muhammad Saiful Anam Sutopo Arief Pambudi Aris Hairmansis Aris Tjahjoleksono Asfia Ziani Budi Murtiyasa Choiriyah Widyasari Cindy Naomi Nainggolan Dicki Nizar Zulfika DWI ANDREAS SANTOSA Erlangga Fatimah, Anggi Siti Fatmawati, Iga Rizkiana Fendiyanto, Miftahul Huda Ferdinandus Rino Fikri, Fata Muslim Fitriani, Hasina Tazkiyya Friskey Hardin Halawa Helmi, Susan Heriyanti, Erisya Heykal, Muhammad Hidayat, Rofi Hilmi Furqon Iqbal Kharisudin JAMILAH Jihada, Zahra Aliya Khadijah Sofia Safienta N. R Lattif Priatno Lavicza, Zsolt Lia Eviyanti Lisdar Idwan Sudirman Ludwig, Matthias Ma'ruf, Amar Maruf, Amar Maulidinatul Ilmi Minsih Mohammad Asikin Mohammad Topang Ramadan Hizbun Nasyeer Muhamad Ikhsanudin Muhammad Bintang Ramadhan Muhammad Fahri Kamil Muhammad Iqbal Muhammad Izzul Islam Munif, Farrah MUTTAQIN, MAFRIKHUL Nining Setyaningsih Perani Rosyani PUJI LESTARI Putra, Khalis Zamrani Rani Nur Fitriani Ratih Kirantiani Rizka Dwi Kumala Safran Safrudiannur Safrudiannur Salwa Ade Ramdhani Satrio, Rizky Dwi Satya Nugroho Silvana, Nurah Sobir Sobir Sofyan Anif Sopandi, Hendra Suesthi Rahayuningsih Sukestiyarno Sukestiyarno Sukestiyarno, Yulius Leonardus Supardi Syafriana Nasution, Henni Theowidavitya , Brian Umam, Mirzalul Wasalwa Batubara, Winda Weni Gurita Aedi Yafi, Muhammad Yunus Effendi Zaman, Faizal Hoerul Zulkardi