Antara Sadd adz-Dzari’ah dan Perlindungan Konsumen: Analisis Ketiadaan Perubahan Tenor Cicil Emas pada Aplikasi Tring!
DOI:
https://doi.org/10.54298/tarunalaw.v4i2.1031Keywords:
cicil emas, perlindungan konsumen, pegadaian, sadd adz-dzari’ah, Tring!Abstract
This research goal to analyze the urgency of the absence of a tenor modification mechanism in the gold installment feature of the Tring! application by PT. Pegadaian, and to examine the structural tension between sharia compliance and consumer protection. This research adopts a normative-legal research design through literature review, integrating a statute approach to analyze relevant legal framework. Next, the results indicate that from the perspective of fiqh muamalah, the tenor-locking policy is validated through employing the concept of sadd adzdzari’ah as a protective legal principle to minimize the emergence of riba resulting from additional margin accumulation in rescheduling schemes, fulfilling the legal reasoning parameters of ijtihad and Fatwa DSN-MUI No. 77/2010. However, from the perspective of positive UU, applying tenor locking through standar contracts without transparency regarding mitigation and consequences of default ignoring the customers’ rights to transparent, reliable, and truthful information under concerning Consumer Protection (UUPK). This study recommends that PT. Pegadaian integrate a semi-digital sharia restructuring feature that facilitates signing a new contract without additional interest to establish a fair and transparent digital financial ecosystem.
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