PRAKTIK PINJAM MEMINJAM BERSYARAT DI DESA ADIAN JIOR

Erna Dewi, Khairul Bahri Nasution, Nur Hasimah
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Abstract

The practice of borrowing, both in the form of money and gold, has often occurred, even most of the people require the provision of rice fields as collateral for the loan by the lender. As happened in Ajian Jior village, people in Adian Jior Village, Panyabungan District, practiced borrowing both in the form of money and gold by requiring the provision of rice fields as collateral for the loan. When someone borrows gold or money, they will give their rice fields as collateral from the debt with a time limit of two harvests or 1-2 years or according to the agreed time. During the loan and loan, the paddy field is under the power of the lender and he has the right to manage and benefit from the paddy field. And everything related to the rice field is within the power of the lender. This research is included in the field research category (Field Research), this research is descriptive using a qualitative approach, because the problems in this study are by examining social symptoms that occur in society. The results obtained are based on the researcher's analysis that the practice of conditional borrowing that occurred in Adian Jior Village was invalidated due to conditions that were contrary to Islamic laws. And the practice of borrowing enters into usury because of the addition of the loan and the form of control over other people's property.
在阿甸吉村练习有条件的贷款
借贷的做法,无论是以货币还是黄金的形式,都经常发生,甚至大多数人都要求贷款人提供稻田作为贷款的抵押品。就像在阿间家村发生的那样,盘边干区阿间家村的人们,通过提供稻田作为贷款的抵押,实行了货币和黄金两种形式的借贷。当有人借黄金或钱时,他们会将自己的稻田作为抵押,期限为两次收获或1-2年或根据约定的时间。在借贷过程中,稻田处于出借人的权力之下,出借人对稻田有经营权和收益权。与稻田有关的一切都在出借人的权力范围之内。本研究属于实地研究范畴(field research),本研究采用定性方法进行描述性研究,因为本研究中的问题是通过检查社会中发生的社会症状。得出的结果是基于研究者的分析,即发生在Adian Jior村的有条件借贷的做法由于违反伊斯兰法律的条件而无效。借贷的行为进入高利贷的范畴因为增加了贷款和控制他人财产的形式。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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