Praktik Menjual Kembali Barang yang Awalnya Dibeli dengan Skema Kredit Perspektif Hukum Ekonomi Syariah (Studi Kasus Warga Desa Prambatan Kidul Kaliwungu Kudus)

Abstract

This study aims to analyze the practice of reselling goods purchased on credit and evaluate its compliance with the principles of Sharia economic law. The background of this research focuses on the importance of understanding economic transactions in Islam, which must comply with the principles of aqidah (belief) and sharia. In this context, the practice of reselling goods on credit, known as murabahah, is an interesting issue to examine. This study uses a field research method with a qualitative approach, where data is collected through observation, interviews, and documentation. The research findings indicate that the practice of reselling credited goods in Prambatan Kidul Village is conducted informally, without written evidence, and relies on trust between creditors and debtors. These transactions are often driven by urgent needs, such as education and medical expenses, forcing debtors to sell goods still under installment payments. The study found that this practice has the potential to create injustice, especially if one party does not fully understand the terms of the transaction. From a Sharia economic law perspective, this practice raises several issues, particularly related to the unfulfilled terms and conditions of the sale and purchase agreement. The goods sold are still under installment payments and do not yet fully belong to the debtor, potentially leading to conflict between the creditor and the debtor. The study also highlights the importance of transparency in transactions, requiring sellers to provide clear information regarding the status of the goods and payment terms. As a recommendation, the community is advised to develop a more formal system for credit transactions, including clear documentation and a better understanding of the rights and obligations of each party. Improved financial literacy is also needed to enable the community to make better decisions in credit transactions, thereby reducing risk and improving overall economic well-being.