Personal Loans (PINPRI) in the Review of Positive Law and Islamic Law

Dahyul Daipon(1*), Basri Naali(2), Hamdani Hamdani(3), Fajrul Wadi(4), Hendri Hendri(5)

(1) Universitas Islam Negeri Sjech M Djamil DJambek Bukittinggi
(2) Universitas Islam Negeri Sjech M DJamil Djambek Bukittinggi
(3) Universitas Islam Negeri Sjech M Djamil Djambek BUkittinggi
(4) Universitas Islam Negeri Sjech M Djamil Djambek BUkittinggi
(5) Universitas Islam Negeri Sjech M Djamil Djambek BUkittinggi
(*) Corresponding Author

Abstract


This research aims to answer a problem regarding the practice of pinpri loans that have not been registered with the Financial Services Authority and how Islamic law reviews the reasons people make pinpri loans. The research method used is statute approach analysis and comparison. Based on the results of the study the practice of personal loans (pinpri) is a cash loan that has not been registered with the Financial Services Authority is the practice of lending through individuals and has not been registered or even licensed by the Financial Services Authority so that it can be said to be illegal and violates Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning LPMUBTI, then in the practice of personal loans (pinpri) there are additional funds and have regulations that are not by the operational system listed in the cash loan rules. In terms of Islamic law, the reason why people practice personal loans (pinpri) is because of urgent needs, easy disbursement, and consumptive behavior, while this is contrary to the concept of Islamic law in qardh theory. Because in the practice of personal loans (pinpri) that have not been registered with the Financial Services Authority, several elements are not by Islamic law, namely usury, gharar, dharar, and zhulm so the law is haram and harms and brings mudharat to the community

Keywords


Personal loan; Islamic Law

Full Text:

PDF

References


Aan. (2023). Rawan Penipuan, Puan Imbau Masyarakat Hindari Jasa PinPri. DPR.Go.Id. https://www.dpr.go.id/berita/detail/id/46556/t/Rawan Penipuan, Puan Imbau Masyarakat Hindari Jasa PinPri

Ahmad, S., Harahap, R., & Hanifuddin, I. (2019). Qardul Hasan Principles: Theory And Implementation In Islamic Banking. Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 140–148.

Angkasa, A., Wamafma, F., Juanda, O., & Nunna, B. P. (2023). Illegal Online Loans in Indonesia: Between the Law Enforcement and Protection of Victim. In Lex Scientia Law Review (Vol. 7, Issue 1). https://doi.org/10.15294/lesrev.v7i1.67558

Dahyul daipon, D. (2016). DETERMINING THE PRICE OF AGRICULTURAL PRODUCTS IN THE REVIEW OF SHARIAH ECONOMIC LAW (STUDY OF THE VILLAGE CIMPAGO MARKET IN PARIAMAN). Hakam : Jurnal Kajian Hukum Islam Dan Hukum Ekonomi Islam, 7(2), 214–232.

Dahyul Daipon, H. (2021). Bisnis Aplikasi Vtube dalam Perspektif Hukum Ekonomi Syariah Vtube Application Business in the Perspective of Sharia Economic Law. Jurnal Hukum Islam, 19(1), 113–132.

Daipon, D., Fajri, D., Hendri, H., & Elfiani, E. (2023). Pricing in Buying and Buying Plant Seends in Shariah Economic Law (Study of Buying and Buying Lime Seedlings in Nagari Padang Ganting). Al-Amwal : Journal of Islamic Economic Law, 8(2), 155–170. https://doi.org/10.24256/alw.v8i2.4212

Damanik, E. S. (2022). Pinjam Meminjam Uang Berbasis Teknologi Informasi Terhadap Perlindungan Konsumen. Maleo Law Journal, 6(2), 151–167.

Ekonomi, J., & Ekonomi, H. (2024). AL-IQTISHADIYAH. 9(2).

Faisal, F., Maulana, R., Sulaiman, S., & Kunarti, S. (2023). Taking Over Consumptive Loans Without Collateral: (Research Study on Bank Syariah Mandiri Lhokseumawe). Jurnal Dinamika Hukum, 23(1), 161. https://doi.org/10.20884/1.jdh.2023.23.1.3392

Fajar, A. S. M. and akhmad najibul khairi syaie. (2023). Handling Community Tensions During the Hajj Waiting Period: An Analysis of the Reactualization of Hajj Implementation Abbas Sofwan Matlail Fajar 1 , Akhmad Najibul Khairi Syaie 2. Tribakti Jurnal Pemikiran Keislaman, 34, 267–280.

Farini, R. (2023). tinjauan hukum islam terhadap praktik usaha pembagian jaringan bandwidth idihome (studi kasus di desa kenitenkecamatan kedung banten kabuoaten bayumas). In UIN Saizu repository.

Finance, P., On, P., Loans, O., & Indonesia, I. N. (2023). Public Finance Policy on Online Loans in Indonesia. Indonesian Treasury Review Jurnal Perbendaharaan Keuangan Negara Dan Kebijakan Publik, 8(4), 291–306. https://doi.org/10.33105/itrev.v8i4.649

Firdaus, B., Helfi, H., Busyro, B., & Hendri, H. (2022). the Profit of the Pre-Employment Program Jockey in the Perspective of Sharia Economic Law. ULUL ALBAB Jurnal Studi Islam, 23(2), 327–346. https://doi.org/10.18860/ua.v23i2.17490

Griselda, C. H., & Aidi, Z. (2023). The Legal Protection against Emergency Contacts Made Unilaterally in Online Loans. 5(225), 181–191.

Hernoko, A. Y., & Anand, G. (2017). The application of circumstance abuse doctrine (Misbruik Van Omstandigheden) on judicial practice in Indonesia. Journal of Advanced Research in Law and Economics, 8(7), 2138–2143. https://doi.org/10.14505/jarle.v8.7(29).10

Ilham. (2023). Ramai dengan PINPRI atau Pinjaman Pribadi, Begini Penjelasan Ulama Muhammadiyah. Muhammadiyah.or.Id. https://muhammadiyah.or.id/2023/09/ramai-dengan-pinpri-atau-pinjaman-pribadi-begini-penjelasan-ulama-muhammadiyah/

imron, ali. (2021). OJK’S ROLE and IMPLEMENTATION IN ERADICATING ILLEGAL FinTec PRACTICES. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.3961615

Indra Tektona, R. (2021). Legal Protection of Creditors in Financing Agreements through Digital Credit Services (Paylater). Jurnal Hukum Islam, 19(2), 2502–7719.

Istiqamah, I. (2019). Analisis Pinjaman Online Oleh Fintech Dalam Kajian Hukum Perdata. Jurisprudentie : Jurusan Ilmu Hukum Fakultas Syariah Dan Hukum, 6(2), 100. https://doi.org/10.24252/jurisprudentie.v6i2.10501

Janisriwati, S. (2021). Responsibilities of Financial Technology Company Due To Failure to Pay By Loan Recipients. Jambura Law Review, 3(2), 198–213. https://doi.org/10.33756/jlr.v3i2.11267

Julfan Saputra, S. S. dan asmaul H. (2021). Konsep Al-‘Ariyah, Al-Qardh dan Al-Hibah. Al-Sharf: Jurnal Ekonomi Islam, 2(1), 19–34. https://doi.org/10.56114/al-sharf.v2i1.136

Mahadewi, kadek julia. (2023). ……... ANALISA YURIDIS PERLINDUNGAN HUKUM TERHADAP PENERIMA PINJAMAN ONLINE BERDASARKAN PERLINDUNGAN DATA PRIBADI. Open Jurnal Systems, 4(1), 88–100.

Manstead, A. S. R. (2018). The psychology of social class: How socioeconomic status impacts thought, feelings, and behaviour. British Journal of Social Psychology, 57(2), 267–291. https://doi.org/10.1111/bjso.12251

mashendra dan Mursanto, D. (2021). Jurnal Hukum Volkgeist. Jurnal Hukum Volkgeist, 5(2), 186. https://core.ac.uk/download/pdf/327176569.pdf

Myranika, A. (2021). Legal protection of online loan recipients based on financial services authority. Linguistics and Culture Review, 5(S4), 2390–2402. https://doi.org/10.21744/lingcure.v5ns4.1986

Nadira, F. (2023). OJK Tanggapi Terkait Pinpri yang Marak di Media Sosial. Republika. https://ekonomi.republika.co.id/berita/s09a4b502/ojk-tanggapi-terkait-pinpri-yang-marak-di-media-sosial

Ndruru, L., Herman, C. W., Ttistian, D. O., & Widodo, S. (2023). Law Enforcement on Misuse of Personal Data by Online Loan Business Actors. Indonesian Journal of Law and Islamic Law (IJLIL), 5(2), 40–49. https://doi.org/10.35719/ijlil.v5i2.317

Ningsih, A. S. (2020). Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective. Substantive Justice International Journal of Law, 3(2), 109. https://doi.org/10.33096/substantivejustice.v3i2.73

PELITA, T., SIHABUDIN, S., & DJUMIKASIH, D. (2021). Legal Analysis of The Problem of The Imposition of Interest Rate On Online Loans. International Journal of Environmental, Sustainability, and Social Science, 2(2), 143–147. https://doi.org/10.38142/ijesss.v2i2.184

Putri, F. S. (2024). Langkah Hukum Bagi Peminjam Jasa Pinjaman Pribadi ( PINPRI ) Atas Kerugian Yang Ditimbulkan Akibat Kebocoran Data Pribadi. 2(2).

Rasyid, D. (2020). Interest Loan in the Perspective of Islamic Jurisprudence (Comparative Studies). SALAM: Jurnal Sosial Dan Budaya Syar-I, 7(11), 1073–1088. https://doi.org/10.15408/sjsbs.v7i12.18292

Risnuwanto, S. dan lubis. (2007). pengaturan latihan dengan metode drill terhadap keterampilan yang jamak seperti halnya pada keterampilan bulutangkis, “terdapat dua cara yang lajim dilakukan yaitu dengan pengaturan. tugas 1.

Santyaningtyas, A. C., Atikah, W., & Primadi, T. H. (2024). Juridical Review of Debtor Data Dissemination in Online Loan Default Cases. 6(2), 426–431. https://doi.org/10.56338/ijhess.v6i2.5129

Sedana, I. P. E. P. (2023). Dynamics of PINPRI or Personal Loans. Medium.Com. https://medium.com/@danakatra/dynamics-of-pinpri-or-personal-loans-5efdc7d0307b

Subagiyo, D. T., Gestora, L. R., & Sulistiyo, S. (2022). Characteristic of Illegal Online Loans in Indonesia. Indonesia Private Law Review, 3(1), 69–84. https://doi.org/10.25041/iplr.v3i1.2594

Sutra Disemadi, H. (2021). Urgensi Suatu Regulasi yang Komprehensif Tentang Fintech Berbasis Pinjaman Online Sebagai Upaya Perlindungan Konsumen di Indonesia. Jurnal Komunikasi Hukum, 7(2), 608.

TINJAUAN SYARIAT. (n.d.).

Waspiah, W., Arifin, R., Putri, N. M., Safarin, M. H. A. F., & Putri, D. D. P. (2022). Student Edited Law Journals: Strengthening the Creativity of Law Students in a Challenging Era. Journal of Creativity Student, 7(2), 133–154. https://doi.org/10.15294/jcs.v7i2.38493

Windiar, M., & Apriani, R. (n.d.). The Mortgage Guarantee as the Settlement Effort of Non-Performing Loan and the Resistance In the Execution of Collateral.

Никаноров, В. А., Косолапов, А. Е., Nikanorov, V. a, & Kosolapov, a E. (2018). Никаноров В.А. 1 , Косолапов А.Е. 2 2. 5(September), 188–194.




DOI: http://dx.doi.org/10.31602/iqt.v10i1.15218

Refbacks

  • There are currently no refbacks.


This journal is indexed by:

             

--------------------------------------------------------------------------------------------

Al-Iqtishadiyah : Ekonomi Syariah dan Hukum Ekonomi Syariah is licensed under Creative Commons Attribution-Share A like 4.0 International License