Sistem Pembayaran Tangung Renteng dalam Narasi Hukum Ekonomi Syariah (Studi PNM Mekaar Cabang Cisauk Tangerang)
Abstract
The issue that is still a polemic in the community regarding the loan payment system by customers to financial institutions is the joint responsibility system. Therefore, this research is here to see the narrative of sharia economic law on the joint responsibility system at PT. PNM Mekaar. This study uses a descriptive-qualitative approach with the method used is a case study (case study) with the research location is PT. PNM Mekaar Cisauk Tangerang branch. The results of this study reveal that the joint responsibility system at PT. PNM Mekaar Cisauk Tangerang branch is carried out by applying the principle of collective responsibility through groups consisting of 10-15 customers to make installment payments from group members who are unable to pay their installments. So that if there is bad credit from one of the members in the group, the burden of paying the installment debt becomes the responsibility of the other members in the group to pay it off together. This payment system for joint responsibility tends to have more harm than benefits. Therefore, in the narration of sharia economic law, the application of the system of joint responsibility regarding the problem of paying debts on loans, are things that must be avoided because there are many harms that are not in line with the principles of sharia economic law.
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