Tinjauan Fiqih Muamalah terhadap Pelaksanaan Akad Qardh dalam Praktik Arisan Uang dengan Sistem Denda (Studi Kasus Di Desa Hadipolo Kecamatan Jekulo Kabupaten Kudus)

Abstract

Lottery club is an activity in the form of collecting money that is carried out by group of people on a regular basis in accordance with an agreement. This research will examine how the practice of lootery club money with a fine system and muamalah fiqh riview of the implementation of qardh contract in the practice of lottery club money with a fine system in Hadipolo Village, Jekulo District, Kudus Regency. This study uses a type of field research. Associated with data collection techniques using observation techniques, interviews, and documentation. The results of this study it can be concluded that the muamalah fiqh review of the implementation of the qardh contract in the practice of lottery club money in Hadipolo Village, Jekulo District, Kudus Regency has fulfilled the pillars and conditions of the qardh contract. First, the payment system as a form of ujrah in muamalah fiqh review is permissible. Second, the system for receiving arisan is partly appropriate and still not appropriate. It is said to be appropriate because members pay the lottery club money regularly once a week, and it is said it is still not appropriate because there are still members who are late in paying the arisan money. Whereas in the opinion of fiqh scholars other than Imam Malikiyah that the implementation of qardh contracts, debts cannot be suspended. Third, the system of applying fines in the implementation of qardh contracts is not permitted, because the profit from the fine is taken unilaterally by the lottery club admin so that it is a type of usury nasi’ah.