TINJAUAN HUKUN ISLAM TERHADAP PERJANJIAN SEWA BELI KENDARAAN RODA EMPAT DI PT ADIRA FINANCE CABANG MAKASSAR EMPAT

Abstract

Abstrak

Penelitian ini membahas tentang tinjauan hukum Islam terhadap perjanjian sewa beli kendaraan roda empat di PT Adira Finance Cabang Makassar Empat. Tujuan penelitian ini adalah untuk mendeskripsikan (1) Pengaturan perjanjian sewa beli, (2) Syarat sahnya perjanjian sewa beli menurut hukum Islam. Penelitian ini termasuk kedalam jenis penelitian kepustakaan, pendekatan yang digunakan dalam penelitian ini ialah pendekatan teologi normative (syar’i) data dalam penelitian ini diperoleh melalui data sekunder berupa bahan primer, sekunder, dimana metode pengumpulan data dilakukan dengan cara membaca literatur, karya ilmiah, hasil penelitian, dokumen-dokumen atau buku-buku terkait dengan penelitian. Data yang terkumpul kemudian dikelompokan data untuk memilih, mencari dan menemukan pola kemudian menemukan hal pokok, sehingga bisa diputuskan mengenai apa yang disampaikan. Hasil pembahasan dan penelitian menyimpulkan (1) Perjanjian sewa beli belum mendapat pengaturan secara jelas dalam peraturan perundang-undangan setingkat undang-undang, namun dalam hukum Islam telah mengatur secara jelas tentang perjanjian sewa beli ini melaui ayat-ayat Al-Qur’an dan Hadis Nabi. (2) Perjanjian sewa menurut KUHPerdata maupun menurut hukum Islam karena memenuhi syarat sahnya perjanjian: Perjanjian sewa beli memenuhi syarat sahnya perjanjian sebagaimana ditentukan dalam Pasal 1320 KUHPerdata. Demikian juga perjanjian sewa beli telah memenuhi syarat dan rukun dalam hukum Islam. Implikasi hasil dari peneletian ini (1) Sebaiknya perjanjian sewa beli dibuatkan dasar hukum setingkat undang-undang seperti perjanjian jual-beli, sewa menyewa dan bentuk perjanjian-perjanjian lainnya yang telah diatur dalam undang-undang. (2) Debitur perjanjian sewa beli sebaiknya diberi perlindungan hukum yang kuat agar para pemberi sewa beli tidak seenaknya menarik obyek sewa beli jika debitur dianggap wanprestasi.

Abstract

This study discusses the review of Islamic law on the four-wheeled vehicle lease agreement at PT Adira Finance Makassar Empat Branch. The purpose of this research is to describe (1) the arrangement of the lease purchase agreement, (2) the terms of the validity of the lease agreement according to Islamic law. This research belongs to the type of library research, the approach used in this research is normative theology (syar'i) approach. The data in this research were obtained through secondary data in the form of primary, secondary materials, where the data collection method was carried out by reading literature, scientific papers, research results, documents or books related to research. The collected data is then grouped into data to select, search and find patterns and then find the main points, so that decisions can be made about what is conveyed. The results of the discussion and research concluded (1) The lease purchase agreement has not yet received clear regulation in statutory regulations at the law level, but in Islamic law it has clearly regulated this lease purchase agreement through the verses of the Al-Qur'an and Hadith Prophet. (2) The rental agreement according to the Civil Code and according to Islamic law because it fulfills the requirements for the validity of the agreement: The lease purchase agreement fulfills the requirements for the validity of the agreement as specified in Article 1320 of the Civil Code. Likewise, the lease purchase agreement has fulfilled the requirements and harmony in Islamic law. The implications of the results of this research are (1) It is better if a lease purchase agreement is made on a legal basis at the level of a law, such as a sale and purchase agreement, leasing and other forms of agreements that have been regulated by law. (2) The debtor of the lease purchase agreement should be given strong legal protection so that the lessor does not arbitrarily withdraw the leased object if the debtor is deemed to be in default.