Tinjauan Hukum Islam terhadap Praktik Jual Beli Pakaian Grosir dengan Sistem Pembayaran Tempo (Studi Kasus di Toko Ursila Jaya Pasar Kliwon Kudus)

Abstract

This study aims to directly examine the practice of buying and selling, as well as the Islamic legal review of these practices and the implications of wholesale clothing transactions using a deferred payment system at Ursila Jaya store. The objective of this research is to systematically illustrate, explain, and describe the facts and characteristics of wholesale transactions on credit, and the implications of wholesale clothing transactions using a deferred payment system at Ursila Jaya store. This type of research is field research with a qualitative descriptive approach. Primary data sources were obtained directly from informants, and secondary data from other studies such as books, journal articles, electronic newspapers, and so forth. Data triangulation and technique triangulation were conducted according to the data obtained through interviews with wholesale sellers and buyers at Ursila Jaya store. Based on the results of the study on the practice of buying and selling with deferred payment at Ursila Jaya store, it can be concluded that: First, wholesale transactions utilize both cash and deferred payments. Customers who use the deferred payment method have a time frame of one year from the contract date, with payments being made in installments. Second, from an Islamic legal perspective, the practice of buying and selling at Ursila Jaya store is legitimate, does not contain elements of usury, and is permissible as it complies with Islamic law. Third, the practice of deferred payment has both positive and negative impacts. The positive impact is the quick and easy sale of goods, while the negative impact includes the risk of bad debts in problematic deferred payments.