Efektifitas Sistem Tanggung Renteng dalam Pinjam Meminjam (Studi Kasus Masyarakat Desa Kabandungan Kecamatan Kabandungan Kabupaten Sukabumi)

Abstract

Abstract-bear the debts of its members when there are those who are unable to pay, based on the system of joint responsibility, causing members to bear the debts of their members when there are those who are unable to pay, based on this the purpose of this study is to analyze how the joint responsibility system is based on Islamic law and analyze the effectiveness of joint responsibility in lending. The method used is qualitative, the data sources are primary and secondary. data collection techniques in the form of questionnaires, interviews, documentation. The data analysis technique uses a mix method. The results showed that the practice of joint responsibility in the village of Kabandungan guarantees members in the group by lending if there are members who cannot pay their debts. This is because the group is a guarantee of financing. According to Islamic law, the practice of joint responsibility in lending and borrowing transactions in the village of Kabandungan has fulfilled the pillars & conditions, namely the existence of a guarantor (kafiil), the debtor ([Ashiil, Makful 'anhu), the debtor (Makfuul lahu), and the object of the debt. guarantor (Makful). The joint responsibility system in the Kabandungan village, Kabandungan sub-district, Sukabumi district is very effective, as evidenced by the benefits and very high value.

Keywords: Borrowing and Loan, Joint Liability, Effectiveness.

Abstrak-menanggung hutang anggotanya disaat ada yang tidak mampu bayar, berdasarkan hal system tanggung renteng meyebabkan antar anggota saling menanggung hutang anggotanya disaat ada yang tidak mampu bayar, berdasarkan hal tersebut tujuan dalam penelitian ini adalah menganalisis bagaimana system tanggng renteng berdasarkan hukum islam dan menganalisis efektifitas tanggung renteng dalam pinjam meminjam. Metode yang digunakan ialah kualitatif, sumber data berupa primer dan sekunder. teknik pengumpulan data berupa kuesioner, wawancara, dokumentasi. Teknik analisis data menggunakan mix method. Hasil penelitian menunjukan bahwa Praktik tanggung renteng di desa Kabandungan saling menjamin anggota dalam kelompok dengan cara meminjami apabila ada anggota yang tidak  bisa  membayar  hutangnya. Hal  ini dikarenakan kelompok adalah jaminan sebuah pembiayaan. Menurut hukum islam praktik tanggung renteng dalam transaksi pinjam meminjam di desa kabandungan sudah memenuhi rukun & syarat yaitu adanya pihak penjamin (kafiil), pihak orang yang berutang ([Ashiil, Makful ‘anhu), pihak orang yang berpiutang (Makfuul lahu), dan objek penjamin (Makful). Sistem Tanggung Renteng di desa kabandungan kecamatan kabandungan kabupaten sukabumi sangat efektif terbukti dengan hasil kemanfaatan dan nilainya sangat tinggi.

Kata kunci: Pinjam Meminjam, Tanggung Renteng, Efektifitas