Akad Qardl Hasan sebagai Solusi Ekonomi Kerakyatan

  • Subaidi Subaidi Universitas Ibrahimy
  • Ahmad Muzakki Institut Ilmu Keislaman Zainul Hasan Kraksaan
Keywords: qardl hasan, democratic economy, syariah banking

Abstract

Qardl hasan is the treasure given by the debt provider (muqridh) to the debt recipient (muqtaridh) then to be returned to them (muqridh) according to the amount received when he has been able to pay without obligation to pay interest or other benefits, because in qardl actually there is no clause with coercion where one side does not abuse the other. Muqtaridh is only burdened with paying off debts as big as the loan within a certain period. However, muqtaridh is recommended to return the better of debts to muqridh. Because the essence of qardl hasan is to reward Allah for Islamic interests, and of course the repayment is not same as the repayment made by humans. In this case of Islamic banking represented by Bank Muamalat Indonesia has completely arranged matters relating to qardl hasan which are generally in accordance with the rules in fiqh. If qardl hasan is implemented properly and those distributions of funds can reach all levels of middle to lower class in society, so it will be the solution for the economic progress in society.

References

Al-Baihaki, A. B. H. A. B. (1999). al-Adabu al-Baihaki. Maktabah Syamilah.
Al-Baihaqi, I. (2002). Sunan Sughro Lil Baihaqi. Damaskus: Darut Tauqi an-Najah.
Al-Malibary, Z. (2003). Fathul Muin. Surabaya: Nurul Huda.
Al-Turmudzi, I. (2000). Al-Jami’ al-Shahih Sunan al-Turmudzi. Beirut: Dar Fikr.
Ascarya. (2011). Akad & Produk Bank Syariah. Jakarta: PT Raja Grafindo Persada.
Bank Muamalat Indonesia. (2010). Buku Pedoman Produk Qardhul Hasan.
Baqi, M. F. A. (1988). Al-Mu`jam al-Mufahras Li Alfadh al-Qur`an.
Basyir, A. A. (2004). Asas-asas Hukum Muamalat - Hukum Perdata Islam. Yogyakarta: UII Press.
Departemen Agama RI. (2010). Al-Qur’an dan Terjemahnya. Bandung: Jabal Raudlotul Jannnah.
Dewi, G. et al. (2007). Hukum Perikatan Islam Di Indonesia. Jakarta: Kencana.
Edukasi Profesional Syariah. (2007). Konsep dan Implementasi Bank Syariah. Jakarta: Renaisan.
Ibnu, H. A. (2006). Bulugh al-Maram. Surabaya: Nurul Huda.
Jayadi, A. (2011). Beberapa Aspek Tentang Perbankan Syariah. Yogyakarta: Mitra Pustaka.
Mardani. (2012). Fiqh Ekonomi Syariah: Fiqh Muamalah, Cet 1. Jakarta: Kencana.
Mertokusumo, S. (1985). Hukum Acara Perdata Indonesia. Yogyakarta: Liberty.
Muhajir, A. (2013). Fathul Mujib al-Qorib. Situbondo: al-Maktabah al-As’adiyah.
Munawwir, A. W. (2000). Kamus al-Munawwir. Surabaya: Pustaka Progressif.
Muslich, A. W. (2010). Fiqih Muamalat. Jakarta: Amzah.
Muttaqien, D. (2008). Politik Hukum Pemerintah RI terhadap Perbakan Syariah Pasca disahkannya UU No. 21 Tahun tentang Perbankan.
Purwadi, M. I. (2014). Al-Qardl dan Al-Qardhul Hasan sebagai Wujud Pelaksanaan Tanggung Jawab Sosial Perbankan Syariah. Mataram: Jurnal Hukum IUS QUIA IUSTUM, Vol 21.
Subekti. (1987). Hukum Perjanjian. Jakarta: Citra Aditya Bhakti
Subekti. (2001). Pokok-Pokok Hukum Perdata. Jakarta: PT. Intermasa
Published
2019-04-11
Section
Articles