Praktek Pembayaran Angsuran Kredit Jual Beli Sepeda Motor

Abstract

Credit installments are installments that are deferred payments or payments on a pending basis, by providing installments in certain amounts for a certain amount of time, the price is more expensive than the cash price. This study aims to determine the practice of paying installments for motorcycle buying and selling loans at PT. Mandala Sigli. This type of research is field research using descriptive methods of analysis. The data collection uses observation, interview, and observation techniques. The results of the study showed the practice of paying installments for motorcycle buying and selling loans at PT. Mandala Sigli is carried out with a daily payment technique in accordance with the agreement, the length of installments determines the length of payment, and the benefits obtained by the company will be different. Installment payment of motorcycle buying and selling credit at PT. Mandala Sigli according to the view of Islamic law is not appropriate, this is because there is an element of fine in case of delay which is forbidden in Islam, and is included in the riba jahiliyah (usury nasi'ah), which is an addition to the debt that arises due to the delay factor