Implementasi Jual Beli Tanah Kavlingan Desa Janjilobi Dengan Sistem Angsuran Menurut Perspektif Ekonomi Islam

Abstract

This research aims: to understand the concept of buying and selling with an installment system from an Islamic economic perspective and to find out how the sale and purchase of plots of land in Janjilobi Village are implemented using an installment system according to an Islamic economic perspective. The research results show that: The concept of buying and selling with an installment system in an Islamic economic perspective is permitted.  This is said by a number of scholars that there are four pillars of buying and selling in installments, namely: The seller, he must own the goods he is selling or have permission to sell them and have common sense. It is stipulated that the buyer is allowed to act in the sense that he is not insane (insane). Sighat, an expression of consent and qabul which shows the agreement between the two parties who entered into the contract and agreement. Ma'qud 'alaih (object of the contract), is something that is permitted to be sold, is clean, can be handed over to the buyer and can be known to the buyer, even by its characteristics. The implementation of the sale and purchase of plots of land in Janjilobi Village with an installment system is in accordance with the Islamic economic perspective and has fulfilled the requirements and pillars of buying and selling in installments where a plot of land is sold and purchased by a buyer in installments over a period of one to five years and there is a payment system in place. once a month, some once every two months and some once every three months, then the seller submits an agreement and the buyer agrees that if the buyer cannot continue paying the installments or the debt is in arrears, then the land must be sold and the seller will buy it back. initial land. The buyer really needs the land to build a house, so he goes to the land seller to negotiate. However, before making the contract, the seller must first make an agreement with the buyer to sell the land back to him. The payment of the debt had been going on for about two years, but there were internal problems with the buyer, so the buyer could no longer pay the debt and finally sold the land back to the seller. The seller bought the land at a lower price than the initial sale price, but this time he paid in cash. The remaining debt has been paid off with the proceeds from the second land sale, so the sale money is not all directly given to the buyer, but is deducted from the remaining debt, so that the debt has been paid off from that money.