Contemporary Era of Credit Practices According to Classical Jurisprudence Scholars - Khadijatul Musanna (Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta, 2022)
Abstrak: Kredit merupakan transaksi jual beli dengan pembayaran yang dilakukan secara bertahap/angsuran dalam jangka waktu tertentu, dimana pembayaran akan lebih mahal daripada pembayaran secara tunai. Dalam Hukum Islam kredit dikenal dengan istilah bai’ bit taqsith. Penelitian ini bertujuan untuk mengetahui pandangan Hukum Islam terkait transaksi kredit. Penelitian ini menggunakan metode penelitian kualitatif dan data yang diperoleh berdasarkan studi kepustakaan. Adapun hasil penelitian dapat disampaikan bahwa status jual beli kredit memiliki dua pendapat yang kontroversi, Syekh Muhammad Nasiruddin al-Albani dan Imam Ibnu Qutaibah melarang transaksi kredit karena mangandung dua akad dalam satu transaksi sehingga terdapat unsur riba di dalamnya. Sedangkan Imam Mustafa, Imam Hanafi, Imam Syafi’i, Zaid bin Ali Al Muayyad Billah membolehkan transaksi kredit dengan memenuhi syarat dan ketentuan penetapan harga yang wajar. Adapun menurut hemat penulis transaksi kredit condong ke pendapat yang membolehkan, alasannya karena telah memenuhi standarisasi prinsip etika bisnis Islam dan adanya pendapat para ulama yang menyatakan boleh, sebagai penguat bahwa transaksi kredit halal.Abstract: Credit is a sale and purchase transaction with payments made in stages/installments over a certain period of time, where payments will be more expensive than cash payments. In Islamic law, credit is known as bai' bit taqsith. This study aims to determine the views of Islamic law related to credit transactions. This research uses qualitative research methods and the data obtained are based on literature study. The results of the study can be conveyed that the status of buying and selling credit has two controversial opinions, Sheikh Muhammad Nasiruddin al-Albani and Imam Ibn Qutaibah forbid credit transactions because they contain two contracts in one transaction so that there is an element of usury in it. Meanwhile, Imam Mustafa, Imam Hanafi, Imam Syafi'i, Zaid bin Ali Al Muayyad Billah allow credit transactions by fulfilling the terms and conditions of fair pricing. In the opinion of the author, credit transactions are inclined to an opinion that allows, the reason being that they have met the standardization of Islamic business ethics principles and the opinion of scholars who state that they are allowed, as reinforcement that credit transactions are halal.