Pelaksanaan Denda atas Nasabah Mampu Penunda Pembayaran Utang di Lembaga Keuangan Syariah

Abstract

Islamic Financial Institutions (IFI) have business and social functions. One source of income for social funds other than infaq, shadaqah, and zakah is a fine fund for late payment of debt to able customers. This phenomenon is different from conventional financial institutions that make fines as one of their income. The fine at the IFI serves to discipline customers to pay debts, but the collection of these fines should not be done haphazardly because it can lead to ribawi practices and abuse of the situation. Decisions of various fatwa institutions have been made available regarding the rules for implementing this fine (DSN-MUI No. 17 of 2000 and the Sharia Standards of the AAOIFI Sharia Board of Bahrain No.8 and Majma ‘al-Fiqh al-Islami Islamic Conference Organization No. 109 of 2000). Based on the results of this study it was found that the implementation of this fine was very varied. The study also found that the potential for these fines was quite large and would contribute positively to IFI›s social functions while enhancing the positive image of the community. Variations in the application of these fines can be seen in terms of a) whether or not the fines are carried out with the aim of the promotion strategy, b) the amount of fines applied based on the effectiveness of the deterrence function, c) customer knowledge and understanding is still very low on these sanctions rules, and even IFI practitioners are still not optimally understood