<![CDATA[Installment collection goes beyond simply making sure consumers fulfill their payment obligations; it also concerns the limits of authority, accountability, honesty, and the Safeguarding the rights of both parties. This research evaluates installment collection procedures undertaken by collectors at PT Sinar Mas Multifinance, Lampung Branch, and considers their conformity with Sharia Economic Law principles. The study adopts a qualitative descriptive approach was employed, with data collected through observation, interviews, and documentation covering participants actively involved in the collection procedure. The results indicate that collectors generally notify consumers about their obligations, communicate persuasively, guide them toward authorized payment channels, and follow transactions until they appear in the company’s payment records system. Payments are generally not handled directly by collectors and can be verified through transaction records. When payments are overdue, collection communication may become more frequent and firmer, causing some consumers to feel uncomfortable; however, no reports of threats, violence, or money being taken by force. Additional concerns involved lags in system updates and some consumers requiring detailed explanations about obligations resulting from overdue payments. Overall, collection practices broadly reflect the values of wakalah, amanah, ṣidq, justice, and avoidance of ḍarar, while clearer disclosure, timelier payment recording, stronger communication and proportionate communication still need to be strengthened.]]>
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