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\'01\'95;}{\levelnumbers;}\fbias0\hres0\chhres0 \fi-360\li6042\lin6042 }{\listname ;}\listid361173648}{\list\listtemplateid-1\listhybrid{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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\'01\'95;}{\levelnumbers;}\fbias0\hres0\chhres0 \fi-360\li1860\lin1860 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\leveltemplateid1677385634\'01\'95;}{\levelnumbers;}
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\fi-360\li4091\lin4091 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace0\levelindent0{\leveltext\leveltemplateid-876291388\'01\'95;}{\levelnumbers;}\fbias0\hres0\chhres0 \fi-360\li6042\lin6042 }{\listname 
;}\listid493494769}{\list\listtemplateid-1\listhybrid{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360\levelindent0{\leveltext\leveltemplateid940113941\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113945\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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;}\listid1467313210}{\list\listtemplateid-1\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360\levelindent0{\leveltext\leveltemplateid940113937\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113947
\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li3600\lin3600 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113935
\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113945
\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113947
\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li5760\lin5760 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113935
\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid940113945
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\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li7920\lin7920 }{\listname ;}\listid1594970043}{\list\listtemplateid-1\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
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{\leveltext\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace360\levelindent0{\leveltext\'02\'02.;}{\levelnumbers
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Debt and receivables by guaranteeing birth certificates are now rife in various circles of rural communities. This often happens because there are many urgent needs that must be fulfilled. In order to further study debts and credit, this study aims to fin
d
 out how the law guarantees birth certificates. This article includes field research studies using qualitative methods, namely researchers collecting data by observation, interviews with the parties concerned and documentation. Then the data obtained is a
n
alyzed by condensing data, presenting data, and drawing conclusions. The results of this study indicate that accounts payable using birth certificate guarantees that occurred in Sokogrenjeng village, Kenduruan District, Tuban Regency were carried out in t
h
e first way, cooperative employees came to residents' homes to provide loans, resulting in an agreement on debts and credits paid in installments 10 times installment or 3 months. If within 3 months you have not paid off, then you can apply for an extensi
o
n. Second, the collateral practice does not meet the requirements, in which the deed is not worth rupiah/ cannot be traded. And in this debt there are additional payments that must be paid. According to the point of view of Islamic law in addressing birth
 
certificates as collateral for debt, it can be concluded that debts with collateral for birth certificates that are carried out do not meet the collateral requirements, and the payment system also has additional payments that must be paid, so Islam consid
ers this to be the same as usury. And usury is forbidden.
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\cs18\f31503\fs24\cf19\lang9\langfe14345\langnp9\insrsid16277508\charrsid2121804  Collateral, Accounts Payable}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs18\f31503\fs24\cf19\lang9\langfe14345\langnp9\insrsid6192165 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
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n Masyarakat pedesaan. Hal ini kerap terjadi dikarenakan banyaknya kebutuhan mendesak yang harus tercukupi. Untuk mengkaji lebih lanjut mengenai utang piutang, penelitian ini bertujuan untuk mengetahui bagaimana hukumnya menjaminkan akta kelahiran. }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Artikel ini termasuk kajian field research dengan menggunakan metode}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 kualitatif yaitu peneliti mengumpulkan data dengan cara observasi, wawancara}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 terhadap}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 pihak}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 yang}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 bersangkutan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
dokumentasi.}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Kemudian}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 data}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 yang}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 diperoleh}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 tersebut}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dianalisis}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dengan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 kondensasi}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 data,}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 penyajian}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 data,}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa utang piutang}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid1852820 yang menjaminkan}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804  akta kelahiran yang terjadi di desa Sokogrenjeng}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Kecamatan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Kenduruan}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Kabupaten}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Tuban}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dilakukan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 dengan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 cara}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 pertama,}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 pegawai}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 koperasi}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 mendatangi}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 rumah-rumah}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 warga}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 untuk}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 memberi}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 pinjaman,}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 sehingga terjadi}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 kesepakatan utang piutang dan utang piutang tersebut diangsur}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 selama}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 10}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
kali}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 angsuran}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 atau}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 3}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 bulan.}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 Apabila}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dalam}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 3}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
bulan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 belum}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 bisa}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 melunasi, maka bisa mengajukan perpanjangan. Kedua, prakik jaminannya tidak}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 memenuhi syarat, yang mana akta tersebut tidak bernilaikan rupiah/ tidak dapat}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 diperjual belikan. Dan dalam utang piutang ini terdapat tambahahan yang harus}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dibayarkan.}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
Menurut}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 sudut}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 pandang}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 hukum}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 Islam}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dalam}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 menyikapi}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\expnd12\expndtw61\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 akta}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 kelahiran sebagai jaminan utang dapat disimpulkan bahwa utang piutang dengan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 jaminan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 akta}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 kelahiran}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 yang}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 dilakukan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 tidak}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 memenuhi}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 syarat}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  
}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 jaminan,}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd12\expndtw60\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid2121804 dan}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
sistem pembayarannya juga terdapat tambahan yang harus dibayarkan, maka}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 
Islam menganggap bahwa hal tersebut sama dengan riba. Dan riba hukumnya}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid2121804  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid2121804 haram}{
\rtlch\fcs1 \ai\af1 \ltrch\fcs0 \fs24\insrsid16277508\charrsid2121804 .}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid13335529 
\par }\pard \ltrpar\qj \li900\ri1084\widctlpar\tx916\tx1832\tx2748\tx3664\tx4580\tx5496\tx6412\tx7328\tx8640\tx9160\tx9810\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1084\lin900\itap0\pararsid6192165 \cbpat18 {
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid16277508\charrsid9984711 Kata}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\b\f31503\fs24\insrsid16277508\charrsid9984711 Kunci}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 :}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 Jaminan,}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid16277508\charrsid9984711 Utang}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 Piutang,}{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 Desa}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid16277508\charrsid9984711  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 Sokogrenjeng}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid6192165  Kabupaten Tuban}{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508\charrsid9984711 .}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508 
\par }\pard \ltrpar\ql \li0\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid16277508 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid16277508 Pendahuluan: 
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 Dalam menghadapi kehidupan, man}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5905993 usia selalu mengalami peralihan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 adakalanya}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5905993  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 atas terkadang pula}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 berada di bawah,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 terkadang dicukupkan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dengan rezeki yang melimpah, d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5905993 an adakalanya rezekinya sedikit. Ol}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 eh karena}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 itu seseorang membutuhkan uluran tangan dari manusia lain. Banyak sekali}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 manusia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 hidup}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 keadaan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 ekonomi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 terbatas}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 mampu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 mengelola keuangan, sehingga dalam hal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
pemasukan dan pengeluaran tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 seimbang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 Akhirnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 timbul}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 persoalan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 kehidupan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 memaksa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 seseorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 untuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 berutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 demi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
mencukupi kebutuhannya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 Maka,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
utang piutang sudah menjadi kebiasaan dalam kehidupan sehari-hari. Inilah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 menjadikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 manusia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 berinteraksi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 antar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13464659 sesamanya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 Karena}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid13464659  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13464659 pada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dasarnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 manusia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw15\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 pasti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw12\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 membutuhkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd2\expndtw11\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw16\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 lain,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw23\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 itu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd3\expndtw16\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
sebabnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd4\expndtw20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 manusia disebut sebagai makhluk sosial, dalam hal ini manusia membutuhkan timbal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 balik,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 baik}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 itu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 jual}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-1\expndtw-7\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 beli,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-3\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 piutang,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw4\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 maupun}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-1\expndtw-8\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 kegiatan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13464659 mu\rquote amalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\expnd0\expndtw3\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 lainnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16328018 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid16328018 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\qj \li0\ri90\sb77\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\super\insrsid16328018 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid16328018  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 Elly M. Setiadi, }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid16328018\charrsid16328018 Pengantar Sosiologi \'93Pemahaman Fakta dan Gejala Sosial\'94 }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 (Bandung: Pranada}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd-7\expndtw-47\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 Media}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw3\insrsid16328018\charrsid16328018  }
{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 Group, 2010), 837.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16328018 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\cf20\insrsid13464659 Mu'amalah }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 merupakan hukum (ketentuan) Allah yang berarti untuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \cf20\insrsid13464659 mengatur kehidupan manusia perkara duniawi dan sosial,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\cf20\super\insrsid16328018 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid16328018\charrsid16328018 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018  Rachmat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 Syafe\rquote i,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd1\expndtw6\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid16328018\charrsid16328018 Fiqih}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\f31503\expnd-1\expndtw-5\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid16328018\charrsid16328018 Mu\rquote amalah, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 (Bandung:}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 Pustaka}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw-2\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 Setia,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-2\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 2001),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-1\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 67}}}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cf20\insrsid13464659  seperti pengaturan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 utang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 Utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 muncul}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 kehidupan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 manusia}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 akibat}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 dari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 
kebutuhan mendesak yang harus dipenuhi agar manusia dapat terus menjalani}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid5905993  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 
kehidupan sehari-hari.Utang juga bisa muncul karena gaya hidup (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\cf20\insrsid13464659 life style}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 seimbang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 antara}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 pemasukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 dan}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 pengeluaran,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw61\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 sementara}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 kebutuhan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 
hidup}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 setiap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid13464659 hari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\cf20\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid13464659 berputar.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9002431\charrsid9002431 Dalam fiqih Mu'amalah, transaksi utang piutang yang melibatkan jaminan (gadai) disebut sebagai }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid9002431\charrsid5905993 rahn}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9002431\charrsid9002431 . }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid9002431\charrsid5905993 Rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9002431\charrsid9002431 
 didefinisikan sebagai penggunaan barang-barang yang memiliki nilai ekonomi dan berfungsi sebagai jaminan untuk utang. Dengan demikian, dapat disimpulkan bahwa }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid9002431\charrsid5905993 rahn}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid9002431\charrsid9002431  adalah bentuk cagaran atau jaminan yang diberikan oleh pihak yang berutang kepada pihak yang memberi utang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\cf20\super\insrsid16328018 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\qj \li0\ri90\sb77\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs21\f31503\fs20\super\insrsid16328018\charrsid16328018 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018  Muhammad Syafi\rquote i Antonio, }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid16328018\charrsid16328018 Bank Syariah : Dari Teori ke Praktik }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 ( Jakarta: Gema Insani,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd-7\expndtw-47\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 2001),128}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4802170\charrsid5905993 Rahn}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid4802170\charrsid4802170  memiliki interpretasi lain, yaitu memberikan suatu benda nilai keuangan untuk me
mperkuat kepercayaan dalam transaksi pinjaman, sehingga memungkinkan untuk mengambil kembali sebagian atau seluruh utang dengan menggunakan benda atau barang tersebut. Istilah }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4802170\charrsid5905993 rahn}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid4802170\charrsid4802170  bisa dipahami sebagai memberikan pinjaman uang dengan menggunakan benda ata
u barang sebagai jaminan, dengan batas waktu tertentu. Jika batas waktu tersebut telah berakhir dan utang tidak dilunasi, maka benda yang digunakan sebagai jaminan akan menjadi milik pemberi pinjaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid4802170\charrsid4802170 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid16328018 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 
\rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\f31503\super\insrsid16328018\charrsid16328018 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid16328018\charrsid16328018  Syaiful Jazil,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-1\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid16328018\charrsid16328018 Fiqih}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\expnd-1\expndtw-7\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid16328018\charrsid16328018 Mu\rquote amalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd0\expndtw-4\insrsid16328018\charrsid16328018 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 (Surabaya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 : UIN}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-2\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 Sunan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw3\insrsid16328018\charrsid16328018  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 Ampel Press,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 2014),}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16328018\charrsid16328018 115.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
\par Ulama}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 Syafi\rquote iyyah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
mendefisinikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13464659 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw-2\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 berikut:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16328018  \'93}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 Menganggunkan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 sesuatu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 sebagai}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 dijadikan sebagai pembayaran utang ketika dalam hal ini debitur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13464659 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw5\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 mampu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw6\insrsid13464659  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13464659 
membayarnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16328018 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid16328018 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\qj \li0\ri90\sb5\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid2446029 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \cs21\f31503\fs20\super\insrsid16328018\charrsid16328018 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018  Idri, }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid16328018\charrsid16328018 Hadis ekonomi (Ekonomi Dalam Perspekif Hadis Nabi) }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 (Surabaya: UIN Sunan Ampel Press,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd-7\expndtw-47\insrsid16328018\charrsid16328018  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid16328018\charrsid16328018 2014), 103.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid16328018 Dari pengertian Imam Syafi'i, sangat mungkin dapat dipahami bahwa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 
yang disebut agunan adalah sesuatu yang bernilai uang yang dapat digunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 ganti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 rugi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 asumsi}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 tersebut}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 mampu}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 untuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 
mengurusnya. Selain itu, sesuatu yang tidak bernilai ekonomis tidak dapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 dijadikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\cf20\insrsid16328018  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid16328018 utang.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16328018 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Mengenai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 permasalahan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 piutang,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid14358121 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw61\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sedikit}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw61\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14358121 muncul}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 fenomena yang muncul}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5905993  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 di berbagai masyarakat khususnya pedesaan, seperti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 persoalan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 utang-piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 terjadi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5905993 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 esa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Sokogrenjeng}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kecamatan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
Kenduruan Kabupaten Tuban. Permasalahan jaminan yang terjadi di Desa ini}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tidak seperti yang terjadi di kalangan umumnya, yang mana pada umumnya
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dijadikan}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 adalah}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Buku}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kepemilikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kendaraan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Bermotor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 (BPKB)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 motor atau surat}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 berharga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 lainnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 bernilai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 ekonomis,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tetapi di Desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Sokogrenjeng}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kecamatan Kenduruan Kabupaten Tuban}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 ini}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang dijadikan sebagai jaminan adalah Akta Kelahiran. Sungguh miris sekali,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14358121 apapun akan dijadikan sebagai jaminan. Di era}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 seperti ini memang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 harga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 kebutuhan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 terus}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 melambung}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tinggi,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 membuat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 berada}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2446029  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 kalangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 bawah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 cukup}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14358121 tersiksa,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 karena}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 desakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 ekonomi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 terbatasnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2446029  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
Sumber Daya Manusia (SDM). Maka,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 demi menyambung hidup}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14358121 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 mencukupi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 kebutuhan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 apapun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 dilakukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 demi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 mendapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pinjaman.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 Ketika semua surat berharga sudah dijadikan jaminan utang, sementara yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
tersisa hanya akta kelahiran, secara terpaksa akta tersebutlah yang hanya bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dijadikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-4\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 utang.
\par Menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 salah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 seorang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pegawai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 koperasi}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 simpan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pinjam,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 ia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 hanya menerima jaminan akta kelahiran melainkan surat-surat yang lain bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 dijaminkan, misalnya Kartu Keluarga, KTP, Buku Nikah.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid14358121 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\super\insrsid14358121 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid14358121   }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14358121\charrsid14358121 Shoim, Wawancara, Tuban, 08 November 2022}{\rtlch\fcs1 \af1 \ltrch\fcs0 
\insrsid14358121 .}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Akan tetapi jika}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 semua}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 surat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
berharga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sudah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dijadikan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 semua,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tinggal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
kelahiran, maka aktapun bisa dijadikan jaminan, karena akta kelahiran anak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
juga memiliki nilai penting, yaitu ketika ingin mendaftarkan anaknya sekolah,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pasti}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-1\expndtw-8\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 membutuhkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-3\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 kelahiran.
\par Ada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 beberapa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 warga}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Sokogrenjeng}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kecamatan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Kenduruan,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 menggunakan akta kelahiran anak sebagai jaminan utang di Koperasi Simpan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid14358121 Sinjam. Di pertemuan awal, pegawai koperasi (Pak Shoim) telah menjelaskan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2446029  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14358121 panjang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 lebar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
terkait}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 utang-piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 beserta}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 berlaku}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Koperasinya,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 apabila}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 diajukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 berupa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd12\expndtw60\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 kelahiran,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
maka nominal pinjaman yang ditarifkan sebesar 1-2 juta, yang diangsur setiap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2446029  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 seminggu}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sekali pada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 hari Selasa}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sampai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 batas}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 pelunasan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 bulan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Apabila}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2446029  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 melewati}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tanggal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jatuh}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tempo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 belum}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 melunasi,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 maka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 diperpanjang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Apabila}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dilunasi,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 maka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 akan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 disita.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid14358121 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\super\insrsid14358121 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14358121\charrsid14358121 Shoim, Wawancara, Tuban, 08 November 2022}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 Akhirnya kesepakatan tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 terjadi ketika beberapa des
a sedang dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 himpitan ekonomi, yang mana untuk memenuhi segala kebutuhan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 dan untuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 mengangsur pinjaman yang lainnya. Karena pada saat itu mungkin}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 semua}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 
surat berharga yang dimiliki sudah tidak ada lagi karena sudah digunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-4\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 utang.
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs20\insrsid14358121 
\par }\pard\plain \ltrpar\qj \fi708\li0\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2446029 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14370343\charrsid13529978 Dalam
 akad utang piutang, sudah tertera dengan jelas bahwa jenis akad yang digunakan adalah akad jaminan. Beberapa warga desa Sokogrenjeng Kecamatan Kenduruan Kabupaten Tuban memberikan jaminan kepada pegawai Koperasi Simpan Pinjam yang memberikan pinjaman, da
n mereka membayar utang sesuai dengan kesepakatan yang telah disepakati}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14358121\charrsid13529978 . Dari cerita di atas, ada kejanggalan yang}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\expnd0\expndtw1\insrsid14358121\charrsid13529978  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14358121\charrsid13529978 membuat penulis tertarik untuk menelitinya yaitu pelaksanaan jaminan yang}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\expnd0\expndtw1\insrsid14358121\charrsid13529978  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14358121\charrsid13529978 digunakan adalah akta kelahiran yang mana tidak memiliki nilai ekonomis.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\expnd0\expndtw1\insrsid14358121\charrsid13529978  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9783113\charrsid13529978 Bagaimana pendapat Islam terhadap barang yang digunakan sebagai jaminan untuk mendapatkan}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid13529978\charrsid13529978  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9783113\charrsid13529978 pinjaman.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14358121\charrsid13529978 \sect }\sectd \ltrsect
\pgwsxn11906\pghsxn16838\marglsxn1440\margtsxn1440\margbsxn1440\linex0\headery708\footery708\colsx708\endnhere\sectlinegrid360\sectdefaultcl\sectrsid5905993\sftnbj {\headerr \ltrpar \pard\plain \ltrpar\s22\ql \li0\ri0\sl14\slmult1
\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\langnp1033\insrsid6192165 
{\shp{\*\shpinst\shpleft9928\shptop691\shpright10269\shpbottom976\shpfhdr1\shpbxpage\shpbxignore\shpbypage\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz1\shplid2050{\sp{\sn shapeType}{\sv 202}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}
{\sp{\sn lTxid}{\sv 131072}}{\sp{\sn dxTextLeft}{\sv 0}}{\sp{\sn dyTextTop}{\sv 0}}{\sp{\sn dxTextRight}{\sv 0}}{\sp{\sn dyTextBottom}{\sv 0}}{\sp{\sn fFilled}{\sv 0}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn posrelh}{\sv 1}}{\sp{\sn posrelv}{\sv 1}}
{\sp{\sn dhgt}{\sv 251660288}}{\sp{\sn fLayoutInCell}{\sv 1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 1}}{\shptxt \ltrpar \pard\plain \ltrpar\ql \li60\ri0\sb11\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin60\itap0 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid8798175 
\par }}}{\shprslt{\*\do\dobxpage\dobypage\dodhgt1\dptxbx\dptxlrtb{\dptxbxtext\ltrpar \pard\plain \ltrpar\ql \li60\ri0\sb11\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin60\itap0 \rtlch\fcs1 \af1\afs22\alang1025 
\ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid8798175 
\par }}\dpx9928\dpy691\dpxsize341\dpysize285\dpfillfgcr255\dpfillfgcg255\dpfillfgcb255\dpfillbgcr255\dpfillbgcg255\dpfillbgcb255\dpfillpat0\dplinehollow}}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs20\insrsid8798175 
\par }}{\footerr \ltrpar \pard\plain \ltrpar\s22\ql \li0\ri0\sl14\slmult1\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs2\insrsid8798175 
\par }}\pard\plain \ltrpar\qj \li0\ri0\widctlpar\tx-2430\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10044058 \cbpat18 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529\charrsid13335529 METODOLOGI}{\rtlch\fcs1 \ab\ai\af0\afs24 
\ltrch\fcs0 \b\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529 
\par }\pard \ltrpar\qj \fi720\li0\ri0\widctlpar\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8916909 \cbpat18 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid6756004 Tulisan}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid6756004\charrsid6756004 
 ini merupakan hasil penelitian yang dilakukan secara langsung di lapangan, }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid2446029 atau}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid6756004\charrsid6756004  disebut penelitian lapangan.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \cs21\f31503\fs24\cf19\lang14345\langfe14345\super\kerning0\langfenp14345\insrsid13335529 
\chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 
\f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \cs21\super\insrsid13335529 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid13335529\charrsid12452181 Noeng Muhajir, Metodologi Penelitian Kualitatif (Yogyakarta: rake saasi,2002), 49}}}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529 
 Penelitian ini menggunakan metode kualitatif, yaitu metode y}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \cs21\f31503\fs24\cf19\lang14345\langfe14345\super\kerning0\langfenp14345\insrsid12079878 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\super\insrsid12079878 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid12079878 Abdul Aziz, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid12079878\charrsid12079878 
Esensi Utang dalam konsep Ekonomi Islam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid12079878 , Vol.4, No. 1,(Juni 2016), 126}}}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529 ang meneliti suatu kondisi, pemikiran atau suatu kejadian yang terjadi, dengan tujuan }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid2446029 membuat gambaran deskriptif, faktual dan ak}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529 
tual mengenai fakta-fakta yang terjadi.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \cs21\f31503\fs24\cf19\lang14345\langfe14345\super\kerning0\langfenp14345\insrsid13335529 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid13335529\charrsid12452181 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid12452181  Muhammad Toha Anggoro, Metode Penelitian ( Jakarta: Universitas Terbuka,2007), 24}}}{\rtlch\fcs1 \ai\af0\afs24 
\ltrch\fcs0 \f31503\fs24\cf19\lang14345\langfe14345\kerning0\langfenp14345\insrsid13335529  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid10701130\charrsid10701130 
Menurut Bogdan dan Taylor, metodologi kualitatif adalah pendekatan penelitian yang menghasilkan data deskriptif berupa kata-kata yang berasal dari individu dan pelaku, dan data ini dapat berupa teks tertulis atau ucapan yang dapat diamati.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \cs21\f31503\fs24\super\insrsid13335529 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 
\ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \cs21\super\insrsid13335529 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid13335529\charrsid12452181 Samsu, metode Penelitian, (Jambi: Pusaka Jambi, 2017), 99}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid14358121\charrsid14358121 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5905993 \cbpat18 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13335529 
\par }\pard\plain \ltrpar\s22\qj \li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\b\f31503\insrsid14358121 PE}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31503\insrsid12079878 MBAHASAN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14358121\charrsid14358121 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\lang62\langfe1033\langnp62\insrsid14358121\charrsid14358121 \hich\af31503\dbch\af0\loch\f31503 A.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls4\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14358121\charrsid14358121 Pengertian utang piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid14358121 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8914387\charrsid8914387 
Utang piutang adalah dua kata yang memiliki hubungan yang erat satu sama lain.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121  Kata utang dari kata hutang. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 Menurut etimologinya,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 istilah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 "hutang"}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 mengacu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 pada
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 uang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 atau}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 barang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 yang
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 dipinjam,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 
dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 peminjam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid14358121 berkewajiban mengembalikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 jumlah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid14358121  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid14358121 dipinjam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14358121 .}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\super\insrsid12079878 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 
\f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\f31503\super\insrsid12079878\charrsid3830803 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Muhammad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd3\expndtw19\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Rifqi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd4\expndtw22\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Arriza,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd4\expndtw21\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\insrsid3830803\charrsid3830803 Teori}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd3\expndtw16\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\expnd3\expndtw15\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Praktek}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd3\expndtw17\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Akad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd4\expndtw20\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Qard}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\expnd3\expndtw15\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 (Utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd3\expndtw19\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Piutang)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd3\expndtw16\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 dalam}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\expnd3\expndtw19\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Syariat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd4\expndtw22\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Islam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd-7\expndtw-47\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid3830803\charrsid3830803 Vol.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 9}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw2\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 No. 2, (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid3830803\charrsid3830803 2015), 246}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14358121\charrsid14358121 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6186268\charrsid6186268 Istilah utang piutang dalam bahasa Arab dikenal sebagai "}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid6186268\charrsid2446029 al-Qar\u7693\'3f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid6186268\charrsid6186268 ," yang memiliki makna dasar "memotong." Dalam terminologi Islam, "}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid6186268\charrsid2446029 al-Qar\u7693\'3f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6186268\charrsid6186268 
" merujuk pada tindakan memberikan uang atau harta kepada individu yang membutuhkannya, dan peminjam (orang yang berutang) diharapkan untuk mengembalikan uang tersebut kepada pemberi utang setelah mampu melakukannya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs21\super\insrsid12079878 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 
\f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\f31503\super\insrsid12079878\charrsid3830803 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Al-Amwal, \'93Akad Qardh Dalam Keuangan Syariah\'94 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Jurnal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\expnd0\expndtw1\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 of Islamic Economic Law }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Vol.3,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\expnd-7\expndtw-47\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 No.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 1, (April}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-1\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 2018), 25.}}}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12079878  Jadi }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid12079878 al-Qar\u7693\'3f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 merupakam penyerahan harta atau}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 terhadap seseorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
yang dapat ditagih lagi atau disebut dengan istilah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 meminjamkan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12079878 tetapi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878 mengharap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 sebuah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878 upah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 melainkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878 saling}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 tolong}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw5\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
menolong}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 antar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 sesama.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \super\insrsid12079878 18}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8150712\charrsid8150712 Pengertian utang piutang serupa dengan perjanjian peminjaman dan peminjam dalam Ketentuan Kitab Undang-Undang Hukum Perdata (KUHPer) Pasal 1754 yang berbunyi sebagai berikut:}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12079878  \'93pinjam-meminjam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 adalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid12079878 suatu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 perjanjian,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12079878 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 memastikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878 pihak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 pertama}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
memberikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 sejumlah barang yang dapat habis terpakai kepada pihak kedua dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 syarat bahwa pihak kedua itu akan mengembalikan barang sejenis kepada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 pihak}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 pertama dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 jumlah}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-4\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 keadaan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw2\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 sama}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 pula.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid12079878 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\qj \li0\ri90\sb77\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid12079878\charrsid3830803 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 Burgerlick}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\fs20\expnd7\expndtw37\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 Wetboek,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd8\expndtw42\insrsid12079878\charrsid3830803  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid12079878\charrsid3830803 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd7\expndtw38\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid12079878\charrsid3830803 
Kitab}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd7\expndtw37\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid12079878\charrsid3830803 Undang-Undang(KUHPer,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\fs20\expnd7\expndtw36\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid12079878\charrsid3830803 KUHP,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd8\expndtw41\insrsid12079878\charrsid3830803  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid12079878\charrsid3830803 KUHAP)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd7\expndtw37\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 (
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd7\expndtw38\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 tkt:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\expnd8\expndtw40\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 Grahamedia}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd-7\expndtw-47\insrsid12079878\charrsid3830803  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 Press,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw3\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 2020),
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw4\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid12079878\charrsid3830803 375}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid14566551 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 Dalam mendefinisikan utang piutang, para ulama berbeda}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2446029 -beda pandangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw4\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 antaranya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid12079878 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid12079878\charrsid3830803 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Shaleh}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Al-Fauzan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\insrsid3830803\charrsid3830803 Fiqh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd-1\expndtw-5\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid3830803\charrsid3830803 Sehari-hari}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\expnd0\expndtw-4\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 (Jakarta:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Gema}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 Insani,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw-3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3830803\charrsid3830803 2005),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid3830803\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid3830803\charrsid3830803 493.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid12079878 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls7\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 Menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid12079878  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12079878 ulama\rquote }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-5\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 Hanafiyah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid12079878  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid12079878 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid12079878  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 Syafi\rquote iyah
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4680393\charrsid4680393 
Utang piutang adalah pemberian harta kepada individu lain dengan niat untuk menggantinya dengan nilai yang sama. Ini mencerminkan transaksi di mana seseorang memberikan harta kepada pihak lain dengan tujuan untuk memperoleh nilai y
ang setara sebagai penggantinya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3830803 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid12079878\charrsid3830803 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls7\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878\charrsid3830803 Menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878\charrsid3830803 ulama}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-5\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878\charrsid3830803 Malikiyah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3830803 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14556504\charrsid14556504 
Utang piutang adalah proses memberikan harta kepada individu lain tanpa ada imbalan atau tambahan yang harus diberikan saat pengembaliannya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid3830803 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\qj \li0\ri90\sb1\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid3830803 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\insrsid3830803\charrsid3484949 Azharudin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-1\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 Latif,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\fs20\expnd0\expndtw4\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid3830803\charrsid3484949 Fiqh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd-1\expndtw-5\insrsid3830803\charrsid3484949  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid3830803\charrsid3484949 Mu\rquote amalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd0\expndtw-3\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\insrsid3830803\charrsid3484949 (Jakarta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw-2\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 UIN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-2\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 Jakarta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-2\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 Press,}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw1\insrsid3830803\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 2005),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-2\insrsid3830803\charrsid3484949  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3830803\charrsid3484949 150.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \super\insrsid3830803 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid12079878\charrsid3830803 \hich\af0\dbch\af0\loch\f0 c.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls7\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878\charrsid3830803 Menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12079878\charrsid3830803 ulama}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid12079878\charrsid3830803  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12079878\charrsid3830803 Hanabilah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3830803 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12732552\charrsid12732552 
Utang piutang merupakan tindakan memberikan harta kepada individu tertentu dengan tujuan penggunaan, dan penerima harta tersebut diharapkan untuk mengembalikan nilai yang setara sebagai gantinya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid3484949\charrsid3484949 \hich\af0\dbch\af0\loch\f0 d.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls7\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949\charrsid3484949 Menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-1\expndtw-7\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949\charrsid3484949 Sayyid}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3484949\charrsid3484949 Sabiq}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 Menurut kitab Fiqh Sunnah, utang didefinisikan sebagai harta yang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 diserahkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 kepada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 peminjam}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\cf20\insrsid3484949\charrsid3484949 muqtarid}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 oleh}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 pemberi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 pinjaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\cf20\insrsid3484949\charrsid3484949 muqrid}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 agar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 peminjam}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 mengembalikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 serupa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 kepada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 pemberi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-1\expndtw-8\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 pinjaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf20\insrsid3484949\charrsid3484949 ketika}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 dia}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw6\cf20\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 mampu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid3484949 \chftn {\footnote 
\ltrpar \pard\plain \ltrpar\qj \li0\ri90\sb100\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\f31503\super\insrsid3484949\charrsid3484949 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Teungku}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw15\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Muhammad}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\fs20\expnd2\expndtw11\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Hasbi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw17\insrsid3484949\charrsid3484949  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 as-Siddiqy}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd4\expndtw24\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid3484949\charrsid3484949 
Pengantar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd1\expndtw9\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid3484949\charrsid3484949 Fiqh}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\fs20\expnd2\expndtw11\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid3484949\charrsid3484949 Mu\rquote amalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 ,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\fs20\expnd2\expndtw13\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw16\insrsid3484949\charrsid3484949  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Semarang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd2\expndtw11\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 :}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw17\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 PT.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\expnd2\expndtw13\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Pustaka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd-7\expndtw-47\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 Rizki, 2010),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-1\insrsid3484949\charrsid3484949  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid3484949\charrsid3484949 103.}}}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf20\insrsid15020224\charrsid15020224 
Dari penjelasan di atas, dapat disimpulkan bahwa utang adalah pinjaman yang diberikan oleh pihak lain yang harus dikembalikan kepada pemberi pinjaman. Dengan kata lain, akad utang merupakan bentuk kerjasama saling membantu, di mana harta yang diberikan ke
pada pihak lain dapat diminta dan diambil kembali tanpa ada ekspektasi atas imbalan apa pun.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid3484949 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid3484949\charrsid3484949 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid3484949\charrsid3484949  M. Syafi\'ed Antonio, Bank Suariah Dari Teori Praktek (Jakarta: Gema Insani Press, 2001), 131}}}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \cf20\insrsid3484949\charrsid3484949 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\lang62\langfe1033\langnp62\insrsid15139918\charrsid8798175 \hich\af31503\dbch\af0\loch\f31503 B.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls4\adjustright\rin95\lin360\itap0\pararsid2446029 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid15139918\charrsid8798175 Pengertian}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15139918  jaminan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3484949 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5596363\charrsid5596363 Istilah "jaminan" atau "gadai" dalam bahasa Arab disebut sebagai "}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid5596363\charrsid2446029 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5596363\charrsid5596363 ," yang berasal dari kata kerja "}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid5596363\charrsid2446029 rahana-yarhunu-rahnan
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5596363\charrsid5596363 ," yang berarti "jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5596363 \'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416747\charrsid7416747  Secara etimologi, "}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \i\insrsid7416747\charrsid2446029 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416747\charrsid7416747 " memiliki arti tetap (dawam) dan juga ada yang menginterpretasikannya sebagai menahan (}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\insrsid7416747\charrsid1341331 al-habs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416747\charrsid7416747 ), yaitu tindakan menahan suatu barang dengan hak agar dapat digunakan sebagai pembayaran. Dalam konteks hukum dan perundang-undangan, "}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\insrsid7416747\charrsid1341331 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416747\charrsid7416747 " atau "gadai" sering disebut sebagai jaminan, anggunan, atau rungguhan. Dalam Islam, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\insrsid7416747\charrsid1341331 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7416747\charrsid7416747  merupakan sarana bagi umat Islam untuk saling membantu tanpa mengharapkan imbalan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid8798175 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 
\f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\f31503\super\insrsid8798175\charrsid8798175 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8798175\charrsid8798175  Nasrun}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\expnd0\expndtw3\insrsid8798175\charrsid8798175  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8798175\charrsid8798175 Haroen,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-2\insrsid8798175\charrsid8798175  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\f31503\insrsid8798175\charrsid8798175 Fiqh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd-1\expndtw-5\insrsid8798175\charrsid8798175  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid8798175\charrsid8798175 Mu\rquote amalah}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\insrsid8798175\charrsid8798175 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid8798175\charrsid8798175  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8798175\charrsid8798175 251.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8798175 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5864474\charrsid5864474 Dalam konteks syariah, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid5864474\charrsid1341331 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5864474\charrsid5864474 
 adalah tindakan menjadikan barang yang memiliki nilai ekonomis sebagai jaminan untuk utang, dengan tujuan untuk dapat mengambil kembali seluruh atau sebagian utang tersebut dari barang tersebut.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid12130834 
\chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \li0\ri90\sb1\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid12130834 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid12130834  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid12130834\charrsid1573547 Abdul}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw1\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 Ghofur}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw4\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 Anshori, }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid12130834\charrsid1573547 Gadai}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd0\expndtw-3\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid12130834\charrsid1573547 Syaiah}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd0\expndtw-1\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid12130834\charrsid1573547 di}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd0\expndtw-3\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid12130834\charrsid1573547 Indonesia}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd0\expndtw-2\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 (Yogyakarta}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw-4\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 :}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid12130834\charrsid1573547  }{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 gajah Mada,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid12130834\charrsid1573547 2005),}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw2\insrsid12130834\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid12130834\charrsid1573547 88}}}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8798175\charrsid8798175 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10112188\charrsid10112188 Terlepas dari definisi yang telah dijelaskan di atas, terdapat berbagai pemahaman lain tentang }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid10112188\charrsid1341331 rahn}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10112188\charrsid10112188  yang telah diberikan oleh para ulama dan beberapa ahli}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10112188 , diantaranya:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12130834 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs26\insrsid12130834 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid12130834\charrsid12130834 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar\s24\ql \fi-360\li360\ri0\sb210\nowidctlpar
\tx1581\wrapdefault\faauto\ls10\adjustright\rin0\lin360\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid12130834\charrsid12130834 Ulama
\rquote }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw-3\insrsid12130834\charrsid12130834  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid12130834\charrsid12130834 Syafi\rquote iyah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\expnd11\expndtw55\insrsid12130834\charrsid12130834  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid12130834\charrsid12130834 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd-1\expndtw-5\insrsid12130834\charrsid12130834  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\insrsid12130834\charrsid12130834 Hanabilah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid12130834 
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \insrsid12534033\charrsid12534033 Dalam perspektif Madzhab Syafi'i dan Hambali, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid12534033\charrsid1341331 rahn}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid12534033\charrsid12534033 
 adalah ketika suatu barang digunakan sebagai jaminan dalam utang, dan barang ini dapat digunakan untuk membayar utang jika peminjam tidak mampu melunasi utangnya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid5583977 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\qj \li0\ri90\sb74\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs21\f31503\fs20\super\insrsid5583977\charrsid1573547 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid5583977\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid13587003\charrsid1573547 Sutan}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd9\expndtw49\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Remi}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-4\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Sjahdeini,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Perbankan}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd0\expndtw-1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Islam}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 ,}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 (Jakarta}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw-4\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 :}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Yayasan}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd-1\expndtw-6\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid13587003\charrsid1573547 Adikarya}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 IKAPI,}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 2007),}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 76.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5583977 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid5583977\charrsid1341331 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard\plain \ltrpar\s24\ql \fi-360\li360\ri0\sb210\nowidctlpar
\tx1581\wrapdefault\faauto\ls10\adjustright\rin0\lin360\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \fs24\insrsid5583977\charrsid1341331 
Ulama Hanafiyah
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7281140\charrsid7281140 Menurut pandangan ulama Hanafiyah, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid7281140\charrsid1341331 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7281140\charrsid7281140 
 adalah ketika suatu barang digunakan sebagai jaminan untuk hak kredit yang dapat dipakai untuk membayar utang, baik secara keseluruhan maupun sebagiannya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5583977\charrsid5583977 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid5583977\charrsid1341331 \hich\af0\dbch\af0\loch\f0 c.\tab}}\pard\plain \ltrpar\s24\ql \fi-360\li360\ri0\sb210\nowidctlpar
\tx1581\wrapdefault\faauto\ls10\adjustright\rin0\lin360\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \fs24\insrsid5583977\charrsid1341331 
Ulama Malikiyah
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \insrsid1071221\charrsid1071221 Dalam perspektif Madzhab Maliki, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid1071221\charrsid1341331 rahn}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \insrsid1071221\charrsid1071221  adal
ah penggunaan barang sebagai jaminan dalam utang yang memiliki ciri khas bahwa barang tersebut bukan hanya memiliki nilai materi tetapi juga memiliki nilai manfaat. Sebagai contoh, memberikan sawah sebagai jaminan, dan sertifikat sawah tersebut digunakan 
sebagai jaminan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13587003 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \li0\ri90\sb4\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 
\af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs21\f31503\fs20\super\insrsid13587003\charrsid1573547 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid13587003\charrsid1573547  Anita}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd6\expndtw32\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Ritqi,}{\rtlch\fcs1 
\af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd6\expndtw34\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Aspek}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd6\expndtw33\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Risiko}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd6\expndtw30\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Produk}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd6\expndtw33\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Gadai}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd6\expndtw32\insrsid13587003\charrsid1573547 
 }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Emas}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd6\expndtw34\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid13587003\charrsid1573547 Pada}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd7\expndtw35\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Pegadaian}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd6\expndtw31\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Syariah}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\expnd7\expndtw35\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 (Skripsi}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd6\expndtw32\insrsid13587003\charrsid1573547  
}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 UIN}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd6\expndtw34\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid13587003\charrsid1573547 Syarif}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd-7\expndtw-47\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Hidayatullah:}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-2\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Jakarta, 2011), 20.}}}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\insrsid16083898\charrsid16083898 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \ai\af0\afs22 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid10964645 \hich\af0\dbch\af0\loch\f0 d.\tab}}\pard\plain \ltrpar\s24\ql \fi-360\li360\ri0\sb210\nowidctlpar
\tx1581\wrapdefault\faauto\ls10\adjustright\rin0\lin360\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \fs24\insrsid10964645 Menurut Taqiyuddin}{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \fs24\insrsid5583977 
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \i\insrsid16083898\charrsid1341331 Rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw-2\insrsid16083898  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16083898 adalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid16083898  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid16083898 menganggunkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid16083898  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16083898 harta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid16083898  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid16083898 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid16083898  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16083898 jaminan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13587003 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\qj \li0\ri90\sb7\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs21\f31503\fs20\super\insrsid13587003\charrsid1573547 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547  Qomarul}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Huda,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw2\insrsid13587003\charrsid1573547  }{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\insrsid13587003\charrsid1573547 Fiqh}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd-1\expndtw-5\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\i\f31503\fs20\insrsid13587003\charrsid1573547 Mu\rquote amalah}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f31503\fs20\expnd-1\expndtw-5\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 (}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Yogyakarta}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 :}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw-4\insrsid13587003\charrsid1573547  }{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 Teras,}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f31503\fs20\insrsid13587003\charrsid1573547 2011),}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f31503\fs20\insrsid13587003\charrsid1573547 91.}}}{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \insrsid16083898\charrsid16083898 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \ai\af0\afs22 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid4016856\charrsid4016856 \hich\af0\dbch\af0\loch\f0 e.\tab}}\pard\plain \ltrpar\s24\qj \fi-360\li360\ri0\sb210\nowidctlpar
\tx1581\wrapdefault\faauto\ls10\adjustright\rin0\lin360\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \fs24\insrsid4016856\charrsid4016856 
Dalam ensiklopedia Indonesia, dijelaskan bahwa jaminan adalah hak atas benda bergerak yang dimiliki oleh peminjam, yang kemudian diberikan kepada pemberi pinjaman sebagai jaminan untuk pembayaran utang. Secara keseluruhan, praktek ga
dai adalah menggunakan barang sebagai upaya untuk memperkuat kepercayaan dalam transaksi utang piutang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13587003 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid13587003\charrsid1573547 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547  Mohammad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd-1\expndtw-6\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 ali Hasan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw4\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid13587003\charrsid1573547 Fiqh}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\expnd0\expndtw-2\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid13587003\charrsid1573547 Muamalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 ,}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\expnd0\expndtw-3\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd-1\expndtw-6\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 PT.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 Raja Grafindo}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\expnd-1\expndtw-9\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 : Jakarta,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 2003),}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13587003\charrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13587003\charrsid1573547 253}}}{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \fs24\insrsid13587003\charrsid1573547 
\par {\listtext\pard\plain\ltrpar \s24 \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid1573547 \hich\af0\dbch\af0\loch\f0 f.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 Menurut Syafi\rquote i Antonio }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\fs24\insrsid1573547 rahn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 adalah menahan harta milik orang yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 
berutang sebagai barang jaminan atas pinjaman yang diterima. Jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 digunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 harus}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 bernilai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 ekonomis}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 agar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 si}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 pemberi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 utang}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 mendapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 jaminan untuk}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 
mengambil kembali}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 sebagian ataupun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw1\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\insrsid1573547 seluruh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\expnd0\expndtw-4\insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\insrsid1573547 piutang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\fs24\super\insrsid1573547 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\qj \li0\ri90\sb1\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid1573547 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid1573547  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 Muhammad}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\expnd2\expndtw13\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 syafi\rquote i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw15\insrsid1573547\charrsid12065423  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 Antonio,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd3\expndtw15\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 
Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd3\expndtw15\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 Syari\rquote ah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\fs20\expnd2\expndtw10\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 dari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd2\expndtw10\insrsid1573547\charrsid12065423  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 Teori}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd2\expndtw11\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 
ke}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\expnd2\expndtw10\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\fs20\insrsid1573547\charrsid12065423 Praktik,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\fs20\expnd3\expndtw15\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 (jakarta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd2\expndtw11\insrsid1573547\charrsid12065423  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd2\expndtw10\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 Gema}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\expnd2\expndtw11\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 Insani}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\fs20\expnd3\expndtw15\insrsid1573547\charrsid12065423  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\fs20\insrsid1573547\charrsid12065423 Press, 2001), 128}{\rtlch\fcs1 \af1 \ltrch\fcs0 \fs20\insrsid1573547 .
\par }}}{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \fs24\insrsid1573547\charrsid13587003 
\par }\pard\plain \ltrpar\s22\qj \fi720\li0\ri0\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid1341331 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3044931\charrsid3044931 Berdasarkan sejumlah definisi yang telah disebutkan, dapat disimpulkan bahwa }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid3044931\charrsid1341331 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3044931\charrsid3044931 
 (jaminan) adalah tindakan menahan harta atau barang sebagai jaminan atas barang yang diterima. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14100631\charrsid14100631 
Barang yang dijadikan jaminan harus memiliki nilai keuangan, sehingga pihak yang memiliki barang tersebut sebagai jaminan dapat mengambil kembali sebagian atau seluruh utangnya jika peminjam tidak mampu membayar utangnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid3044931\charrsid3044931 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12065423 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\lang62\langfe1033\langnp62\insrsid7624520\charrsid14358121 \hich\af31503\dbch\af0\loch\f31503 C.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls4\adjustright\rin95\lin360\itap0\pararsid1341331 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7624520\charrsid14358121  Desa Sokogrenjeng Kecamatan Kenduruan Kabupaten Tuban}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\insrsid7624520 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri0\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid8848678 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Desa ini sejak zaman dahulu bernama Soko, Ngancar, Kajar 
dan Ngrejeng dengan lurah seumur hidup yang bernama Karto Diwiryo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142  
Karto Diwiryo merupakan kepala desa yang sangat demarwan, karena pada saat itu terpengaruh oleh gaya kehidupan masyarakat Samin.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 
Sejak tahun 1925 desa ini sudah digabung menjadi satu yang diberi nama desa Sokogrenjeng. Hal ini didasarkan adanya pengambilan nama wilayah Soko Ngancar diambil nama Soko, sedangkan wilayah Kajar, 
Ngrejeng, Semampir diambil nama Ngrejeng, jadi terbentuk nama Desa Sokogrenjeng.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Topografi Desa Sokogrenjeng adalah berupa dataran dengan luas wilayah 464 07 Ha. Secara geografis desa Sokogrenjeng terletak pada posisi 6.55`-21.` Lintang Selatan dan 111.40`-
` Bujur Timur.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Secara administratif, desa Sokogrenjeng terletak di wilayah Kecamatan Kenduruan Kabupaten Tuban dibatasi oleh desa-desa tetangga diantaranya:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Sebelah Utara : Desa Jatiklabang, Sidomulyo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Sebelah Selatan : Desa Bendonglateng}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Sebelah Barat : Desa Sidohasri}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8848678 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Sebelah Timur : Desa Sidorejo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri0\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin0\lin0\itap0\pararsid16277702 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Jarak tempuh Desa Sokogrenjeng ke Ibu Kota Kecamatan adalah 7 
km, yang dapat ditempuh dengan waktu sekitar 20 menit. Sedangkan jarak tempuh ke Ibu Kota Kabupaten adalah50 km, yang dapat ditempuh dengan waktu sekitar 90 menit.Sokogrenjeng merupakan desa dengan penduduk yang padat, terdapat 1161 jumlah Kartu Keluarga}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702  (KK)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 . Jumlah penduduk desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid7240142\charrsid7240142 Sokogrenjeng mencapai 3735 jiwa, dengan perbandingan jumlah laki-laki adalah 1859 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 
 sedangkan penduduk perempuan adalah 1878 orang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 Secara umum,  mata pencaharian masyarakat desa Sokogrenjeng adalah dapat teridentifikasi ke dalam beberapa sektor yaitu pertanian,  baik itu menjadi buruh a}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid16277702 taupun petani, pedagang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702 pekerja }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid7240142\charrsid7240142 industri dan lain-lain. Berdasarkan data yang ada, masyarakat yang bekerja di sektor pertanian berjumlah 862 orang yang bekerja di sektor jasa/perdagangan berjumlah 821 orang, 
yang bekerja di sektor indsustri ada 2 orang dan yang di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid16277702  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142\charrsid7240142 bidang lain-lain terdapat 2052 orang. 
Dengan demikian jumlah penduduk yang memiliki mata pencaharian berjumlah 1685 orang, selebihnya masih belum bekerja dikarenakan masih usia sekolah dan sebagian menjadi pengangguran.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7240142 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\lang62\langfe1033\langnp62\insrsid484870 \hich\af31503\dbch\af0\loch\f31503 D.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls4\adjustright\rin95\lin360\itap0\pararsid1341331 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid484870 Bentuk Utang Piutang di Desa }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid484870\charrsid14358121 Sokogrenjeng Kecamatan Kenduruan Kabupaten Tuban
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid84008 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16277702 Sebagaimana diceritakan di atas, b}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7827627\charrsid7827627 anyak }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16277702 warga desa Sokogrenjeng}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7827627\charrsid7827627 
 yang menghadapi situasi ekonomi di bawah rata-rata dan kesulitan dalam mengelola keuangan mereka, sehingga pemasukan dan pengeluaran tidak seimbang.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 Akhirnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 timbul}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 persoalan dalam }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid84008 kehidupan yang memaksanya }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 untuk berutang demi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15343542 mencukupi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kebutuhannya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid84008  Menjadikan }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11035282\charrsid11035282 praktek pemberian utang dan pelunasan utang telah menjadi rutinitas dalam kehidupan sehari-hari.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Untuk mencukupi kebutuan sehari-hari, warga masyarakat di Desa}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Sokogrenjeng Kecamatan Kenduruan ini melakukan utang piutang terhadap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15343542 salah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 seorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 pegawai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 koperasi.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 Yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 mana}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
pegawai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 koperasi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersebut}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 mendatangi rumah-rumah warga untuk menawarkan utang dan untuk mencari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 anggota atau nasabah baru. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14617417\charrsid14617417 Pegawai koperasi menjel
ajahi berbagai desa dengan tujuan memberikan bantuan uang kepada warga yang membutuhkan dan juga untuk mengajak warga menjadi anggota baru dalam program utang piutang di koperasi tersebut.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Semakin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 banyak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 nasabah atau anggota yang didapat semakin banyak pula keuntangan yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 diperoleh.
\par Syarat dari sebuah sistem utang piutang pada }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid84008 Koperasi Simpan Pinjam (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 KSP}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid84008 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542  ini tidak sulit dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 proses}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 pencairan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pinjamanpun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 juga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sangat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
cepat.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 melalui}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tiga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
tahapan, nasabah sudah dapat menerima uang pinjaman tersebut, pertama,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pengajuan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 harus}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 bertemu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 secara}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 langsung}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pegawai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 koperasi. Kedua, menyerahkan barang jaminan yang akan dijadikan sebuah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 jaminan dalam utang piutang tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7473409 . Ketiga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7473409\charrsid7473409 
, uang pinjaman diserahkan kepada peminjam sesuai dengan jumlah pinjaman yang diajukan. 
Kelebihan praktik utang piutang melalui koperasi simpan pinjam ini menjadi salah satu faktor yang menarik minat masyarakat yang membutuhkan pinjaman uang, sehingga mereka dapat segera mengajukan permohonan pinjaman kepada koperasi tersebut.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4875636\charrsid4875636 Barang yang akan digunakan sebagai jaminan dalam utang harus memiliki nilai yang berharga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5709336\charrsid5709336 
. Contoh benda yang dapat diberikan sebagai jaminan utang dalam koperasi simpan pinjam ini mencakup ijazah, akta kelahiran, buku nikah, dan kartu keluarga (KK).}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542  Banyak sekali masyara
kat di desa Sokogrenjeng ini menggunakan akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahirannya sebagai jaminan utang. Alasannya yaitu karena memang barang-}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 barang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 berharga}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dimiliki}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 hanya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Selain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 itu,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 penggunaan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dikarenakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tarif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 diberikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 terlalu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 besar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jarang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 digunakan.
\par Berdasarkan pendapat Shoim (pegawai KSP) bahwa }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103449 pinjaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 mengunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103449 
lakukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Desa}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Sokogrenjeng}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd11\expndtw56\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 merupakan}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd9\expndtw47\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 suatu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd9\expndtw48\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 bentuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd10\expndtw52\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 bantuan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd9\expndtw47\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 terhadap}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd10\expndtw52\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 masyarakat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd11\expndtw56\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
yang membutuhkan dan suatu sarana untuk membentuk koperasi yang berkembang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
di masyarakat setempat, agar KSP yang beliau tempati untuk bekerja saat ini}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
dapat terkenal dan mendapat kepercayaan masyarakat sekitar. Dalam utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersebut,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 penggunaan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dikarenakan akta kelahiran merupakan salah satu surat yang bersifat penting}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 (berharga). }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11491084\charrsid11491084 
Salah satu faktor lain yang membuat akta kelahiran menjadi dokumen berharga adalah ketika anak dari individu yang m
emiliki utang ingin mendaftar ke sekolah, maka akta kelahiran diperlukan sebagai persyaratan pendaftaran. Prinsip utang yang berlaku di desa ini didasarkan pada kepercayaan yang saling terjalin antara pihak yang berutang dan pihak yang memberikan pinjaman
.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 
\ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid13529502  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13529502 
Shoim, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f31503\insrsid13529502 Wawancara}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13529502 , Tuban, 10 Mei 2023.}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
\par Dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 penerapan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 praktik}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 piutang}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd12\expndtw60\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Sokogrenjeng,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jarang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sekali}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 melakukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 wanprestasi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 karena}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jika}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 seseorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 melakukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 segera}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 melunasi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utangnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 waktu 3 bulan dengan cara mengangsurnya selama satu}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 bulan sekali maka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
orang yang berutang akan merasa rugi. Karena apabila tidak dilunasi dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sudah jatuh tempo maka secara otomatis akan diperpanjang dan dalam masa
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 perpanjangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersebut,}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 berutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tetap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dikenai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tambahan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
pembayaran. Dengan demikian, pegawai koperasi tersebut terus mendatangi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 rumah ibu-ibu yang masih mempunyai tanggungan untuk menagih utangnya.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103449 Kini }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 masih }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103449 ada}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542  beberapa akta kelahiran yang belum dikembalikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 terhadap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pemiliknya,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw6\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid15343542  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid15343542  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15343542 tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 masih}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 berada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw3\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-6\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
kantor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 KSP. Akta kelahiran akan tetap ditahan di kantor selama utang belum dibayar lunas}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 oleh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw6\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw6\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 berutang.
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid484870 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10507023\charrsid10507023 Dari }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid484870 paparan}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid10507023\charrsid10507023  yang telah disajikan mengenai penggunaan akta kelahiran sebagai jaminan dalam utang piutang, dapat ditarik kesimpulan bahwa utang yang diberikan oleh pegawai koperasi adalah utang berbentuk uang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 . Yang mana utang piutang tersebut menggunakan bunga yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
dibayar bersamaan dengan angsuran tiap minggunya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15683236\charrsid15683236 Dalam transaksi utang piutang tersebut, ada persyar
atan untuk menyerahkan jaminan, dan jaminan yang dipilih adalah akta kelahiran. Alasan penggunaan akta kelahiran sebagai jaminan adalah karena ini merupakan satu-satunya aset yang berharga yang dimiliki, jarang digunakan, dan juga karena tingkat bunga ata
u biaya pinjaman yang terkait tidak terlalu tinggi.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Sehingga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 mempermudah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid15343542 hal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pengangsuran yang bisa diangsur sedikit demi sedikit sampai lunas sampai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 batas}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kesepakatan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw2\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 telah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw-3\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dibuat.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid484870 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 injaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid484870 juga }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 membantu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 masyarakat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid484870  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sedang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 membutuhkan.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Misalnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dalam}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 hal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 mendesak}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pembayaran SPP pendidikan anaknya, pembayaran pengobatan keluarganya,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 pemenuhan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 kebutuhan-kebutuhan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 lainnya.
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid15343542 \hich\af0\dbch\af0\loch\f0 E.\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls4\adjustright\rin95\lin360\itap0\pararsid484870 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Analisis }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 
Hukum Islam Terhadap Penggunaan Akta Kelahiran Sebagai Jaminan Utang di Desa Sokogrenjeng Kecamatan Kenduruan Kabupaten Tuban}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542\charrsid15343542 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid2051650\charrsid2051650 
Kasus penggunaan akta kelahiran sebagai jaminan utang merupakan fenomena yang muncul pada zaman modern saat ini. Barang yang akan dijadikan sebagai jaminan utang harus memiliki nilai. Contoh barang yang dap
at digunakan sebagai jaminan utang dalam koperasi simpan pinjam ini mencakup ijazah, akta kelahiran, buku nikah, dan kartu keluarga (KK).}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542  Banyak sekali masyarakat di desa Sokogrenjeng ini menggunakan akta}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahirannya sebagai jaminan utang. Alasannya yaitu karena memang barang-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 barang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 berharga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dimiliki}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid15343542 hanya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tersisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 
akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 Selain}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 itu,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 penggunaan}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dikarenakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tarif}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-7\expndtw-57\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 utangan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 diberikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 terlalu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 besar}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 jarang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 digunakan.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid8857680\charrsid8857680 Karena pada masa Nabi, tidak ada situasi yang serupa dengan kejadian saat ini secara persis.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd1\expndtw7\insrsid13335529\charrsid13335529  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 Seperti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd-1\expndtw-8\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 keterangan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 hadist}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd1\expndtw5\insrsid13335529\charrsid13335529  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 dari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd-1\expndtw-8\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 Aisyah}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529  yang berarti }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 \'93Dari Aisyah bahwa Nabi SAW membeli makanan dari seorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid2296912 Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 ahudi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 pembayaran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 tempo,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 beliau}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 menggadaikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 kepada}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2296912 Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 ahudi itu satu baju pera}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2296912 ng yang terbuat dari besi. D}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid13335529 alam }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15343542 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 edaksi lain:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13335529 Nabi wafat, sedangkan baju perang digadaikan kepada seseorang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2296912  Y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 ahudi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid13335529  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 tiga puluh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid13335529  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid13335529 liter}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid13335529 sha\rquote }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13335529 )\'94.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-1\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 (HR.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-2\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 
Al-Bukhori}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 dan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529 Muslim).}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 
\f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af1 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid13529502  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f31503\insrsid13529502\charrsid13529502 Ahmad Wardi Muslih, Fiqh Muamalah, 289}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13335529\charrsid15343542 Transaksi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 utang}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 menggunakan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd12\expndtw61\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 diperbolehkan dalam Islam ketika akad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 yang digunakan tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 
lari dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13335529\charrsid13335529  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13335529\charrsid13335529 konsep aturan yang mengatur tentang dasar jaminan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid205991\charrsid205991 Artinya, perjanjian utang piutang yang melibatkan jaminan akan dianggap sah dari segi hukum jika sesuai dengan ketentuan, syarat-syarat, dan unsur-unsur yang dijelaskan dalam konsep jaminan menurut ajaran Islam}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid14906798\charrsid14906798 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7615544\charrsid7615544 Demikian pula, penggunaan akta kelahiran sebagai 
jaminan dalam transaksi utang piutang merupakan salah satu jenis transaksi yang dilakukan, di mana akta kelahiran digunakan sebagai jaminan untuk utang atau pinjaman yang terjadi di }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid7615544\charrsid84008 
Koperasi Simpan Pinjam Sumber Rejeki Desa Bangilan, Kecamatan Bangilan, Kabupaten Tuban.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9771304\charrsid9771304 
Kejadian utang piutang yang melibatkan jaminan di desa Sokorenjeng, sebagaimana yang dicontohkan dalam hadis di atas, menunjukkan bahwa Nabi SAW pernah terlibat dalam utang piutang dan melakukannya dengan menggunakan baju perangnya sebagai j
aminan. Dengan kata lain, benda yang digunakan sebagai jaminan bukanlah akta kelahiran atau barang yang tidak memiliki manfaat. Sebaliknya, akta kelahiran adalah jenis benda yang tidak memiliki nilai manfaat sebagai jaminan dan tidak memenuhi kriteria seb
agai barang jaminan. Akta kelahiran tidak dapat dijual untuk membayar utang yang tidak dapat dilunasi oleh peminjam.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9521379\charrsid9521379 Pinjaman atau utang piutang dalam Islam dinyatakan sebagai perbuatan yang halal sesuai dengan ayat 11 surah al-Hadid yang merupakan firman Allah, dengan makna sebagai berikut:}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 \'93Siapakah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 yang mau}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw-1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 meminjamkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-8\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 kepada}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd-1\expndtw-5\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 Allah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-8\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 pinjaman}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd-7\expndtw-57\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 yang baik, Allah akan melipat gandakan (balasan) pinjaman itu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10449755 untuknya dan dia akan memperoleh pahala yang banyak.\'94 (Q.S }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid10449755 al-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid10449755 Hadid}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 [57]:11)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs21\f31503\super\insrsid13529502\charrsid13529502 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13529502\charrsid13529502  Departemen Agama RI, Al quran, 538}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \super\insrsid10449755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1801072\charrsid1801072 
Dalam ayat 11 dari surat al-Hadid, diungkapkan dengan tegas bahwa transaksi pinjaman atau utang piutang adalah sah. Secara umum, terdapat dua syarat utama dalam perjanjian utang piutang, yaitu:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755  
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid5000171\charrsid5000171 \hich\af0\dbch\af0\loch\f0 1)\tab}}\pard \ltrpar
\s22\qj \fi-360\li360\ri95\sb171\nowidctlpar\wrapdefault\faauto\ls1\adjustright\rin95\lin360\itap0\pararsid2296912 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5000171\charrsid5000171 Tidak karena mencari 
laba, jika dalam transaksi utang piutang terdapat keuntungan, maka hal tersebut dapat dikategorikan sebagai riba karena setiap tambahan dianggap sebagai riba. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4222487\charrsid4222487 
Namun, jika peminjam memberikan tambahan sebagai ungkapan terima kasih atas utang yang telah diberikan dan tambahan tersebut tidak diatur dalam perjanjian utang piutang, maka tindakan ini tidak akan dianggap sebagai riba.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd6\expndtw34\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid10449755\charrsid10449755 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid5000171\charrsid5000171 \hich\af0\dbch\af0\loch\f0 2)\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5000171\charrsid5000171 
Tanpa adanya transaksi tambahan, seperti perjanjian jual beli, maka hubungan utang piutang tidak diizinkan. Namun, utang piutang yang kemudian melibatkan perjanjian jual beli dapat dianggap sah secara hukum jika memiliki nilai yang sebanding.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd6\expndtw34\insrsid10449755\charrsid10449755 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8093065\charrsid8093065 
Dari penjelasan di atas, dapat dipahami bahwa syarat dalam pinjaman atau utang piutang seharusnya bukan semata-mata untuk mencari profit dan tidak dilibatkan dalam transaksi lain. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2250923\charrsid2250923 
Akan tetapi, dalam pelaksanaan praktik pinjaman yang berlangsung di Desa Sokogrenjeng, Kecamatan Kenduruan, pola pinjaman ini didesain dengan tujuan mencari keuntungan dengan membayar bunga bersamaan dengan angsuran 
mingguan sebagai bentuk kompensasi atas pinjaman, sesuai dengan perjanjian awal yang telah dibuat dalam akad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 . Misalnya apabila orang yang berutang tersebut meminjam uang sebesar}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 Rp. 1.000.000,00 maka nantinya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
yang akan diperoleh atau dicairkan hanya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 Rp. 900.000,00 dan nantinya akan dikenai bunga sebesar 20%. Contoh, jika}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 seseorang berutang sebesar Rp 1.000.000,00 maka akan diangsur selama 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10449755 kali angsuran dengan angsuran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 sebesar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 Rp.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 120.000,00}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid10449755 setiap}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 minggunya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid10449755 sampai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 selesai.
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid2296912 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1861163\charrsid1861163 Mayoritas fuqaha mengidentifika
si empat komponen utama dalam pinjaman atau utang piutang, yang terdiri dari akad, objek (baik barang atau uang), serta syarat-syarat yang ditetapkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15805695\charrsid15805695 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid12789\charrsid12789 Di desa Sokogrenjeng, Kecamatan Kenduruan, implementasi praktik pinjaman atau utang piutang telah mematuhi semua elemen yang telah dijelaskan mayoritas fuqaha. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1520042\charrsid1520042 
Namun, ada satu ketentuan yang tidak terpenuhi, yakni syarat untuk memperoleh keuntungan yang dengan jelas memberatkan dan merugikan peminjam dalam transaksi pinjaman atau utang piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12789\charrsid12789 . }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3545934\charrsid3545934 
Pendapatan yang diperoleh dari transaksi ini termasuk dalam kategori riba, dan riba adalah tindakan yang dilarang (haram) dalam hukum. Jika ada unsur riba dalam suatu transaksi pinjaman atau utang piutang, maka itu 
dianggap sebagai perbuatan yang melanggar hukum.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2238930\charrsid2238930 
Sistem utang piutang dengan jaminan yang diterapkan serupa dengan sistem utang piutang pada umumnya. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16724132\charrsid16724132 
Tetapi, dalam situasi di mana akta kelahiran digunakan sebagai jaminan, terdapat perbedaan dengan penggunaan jaminan lainnya, yakni benda yang dijadikan sebagai jaminan hutang tidak memiliki nilai ekonomis dalam bentuk uang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid2238930\charrsid2238930 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2636825\charrsid2636825 Sementara itu, cara pelaksanaan sistem jaminan seperti yang diajarkan dalam hukum Islam memiliki elemen-elemen penting yang termasuk dala
m syarat dan komponen-komponen utama. Ini mencakup persyaratan akad, kondisi yang diperlukan untuk memperkuat akad, persyaratan barang yang dapat dijaminkan, syarat tentang pemeliharaan dan penggunaan barang jaminan, serta bagaimana penanganan penerimaan 
barang jaminan. Sistem ini merupakan rincian yang telah disusun oleh empat Imam besar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 .
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15926294\charrsid15926294 Dari cara akta kelahiran digunakan sebagai perjanjian hutang piutang dengan jaminan, terlihat dengan jelas bahwa akta tersebut bukanlah jenis benda yang memenuhi kriteria
 sebagai jaminan hutang sesuai dengan prinsip syariah Islam.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15926294\charrsid15926294 Menurut pandangan Imam Syafi'i dalam ketentuan }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\insrsid15926294\charrsid2296912 marhun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15926294\charrsid15926294 , barang yang dijadikan jaminan harus memiliki sifat dapat diperdagangkan dan memiliki manfaat yang dapat diambil}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid10449755 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 Hanafiyah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 mengemukakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 bahwa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 syarat-syarat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid10449755  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid10449755 marhun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw1\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 adalah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid10449755  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 sebagai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-3\insrsid10449755  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755 berikut:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn {\footnote 
\ltrpar \pard\plain \ltrpar\s19\qj \li0\ri90\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin0\itap0\pararsid5905993 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f31506\fs20\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {
\rtlch\fcs1 \af1 \ltrch\fcs0 \cs21\super\insrsid13529502 \chftn }{\rtlch\fcs1 \af1 \ltrch\fcs0 \insrsid13529502  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13529502\charrsid13529502 Wahbah az-zuhali, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f31503\insrsid13529502\charrsid13529502 al-fiqh al-islam wa adillatuh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13529502\charrsid13529502 , 202}}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid2500053\charrsid2500053 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ltrpar\s22\qj \fi-284\li270\ri95\sb171\nowidctlpar
\tx1276\wrapdefault\faauto\ls3\adjustright\rin95\lin270\itap0\pararsid2296912 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2500053\charrsid2500053 
Barang yang dijadikan jaminan harus dapat dijual, yang berarti barang tersebut harus ada pada saat perjanjian agar bisa diserahkan. Jika barangnya tidak ada, maka perjanjian jaminan atau gadai tidak dapat dianggap sah.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid9379177\charrsid9379177 \hich\af0\dbch\af0\loch\f0 2.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9379177\charrsid9379177 
Barang yang dijadikan jaminan atau digadaikan harus berupa harta atau kekayaan. Oleh karena itu, tidak diperbolehkan menggunakan barang yang tidak memiliki nilai harta sebagai jaminan, misalnya seperti bangkai.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid3694004\charrsid3694004 \hich\af0\dbch\af0\loch\f0 3.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3694004\charrsid3694004 
Barang yang dijadikan jaminan atau digadaikan harus dapat diperlakukan atau dimanfaatkan secara sah sesuai dengan hukum Islam, sehingga memungkinkan digunakan untuk membayar utangnya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid8485407\charrsid8485407 \hich\af0\dbch\af0\loch\f0 4.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8485407\charrsid8485407 Barang yang 
dijadikan jaminan atau digadaikan harus teridentifikasi dengan jelas, mirip dengan dalam transaksi jual beli}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755\charrsid7624520 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid15336499\charrsid15336499 \hich\af0\dbch\af0\loch\f0 5.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15336499\charrsid15336499 
Barang tersebut yang berada dalam kepemilikan }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid15336499\charrsid2296912 rahin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755\charrsid7624520 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid5910459\charrsid5910459 \hich\af0\dbch\af0\loch\f0 6.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5910459\charrsid5910459 
Barang yang digunakan sebagai jaminan harus bebas dari hak }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\insrsid5910459\charrsid2296912 rahin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5910459\charrsid5910459  atau hak guna pakai. O
leh karena itu, tidak diperbolehkan untuk menjaminkan pohon kurma yang sudah berbuah tanpa juga menyertakan buahnya dalam jaminan tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755\charrsid7624520 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 

\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid1005893\charrsid1005893 \hich\af0\dbch\af0\loch\f0 7.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1005893\charrsid1005893 
Barang yang dijadikan jaminan harus disertai dengan barang pokoknya secara bersamaan. Oleh karena itu, tidak diiz
inkan untuk menggunakan buah-buahan sebagai jaminan tanpa juga memiliki pohonnya, karena tidak mungkin menguasai buah-buahan tanpa menguasai pohonnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10449755\charrsid7624520 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7624520 
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang62\langfe1033\langnp62\insrsid8743809\charrsid8743809 \hich\af0\dbch\af0\loch\f0 8.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8743809\charrsid8743809 
Barang yang digunakan sebagai jaminan harus memiliki kepemilikan yang terpisah dari orang lain, artiny
a, tidak boleh menjadi hak bersama. Oleh karena itu, tidak diperbolehkan untuk menggunakan setengah dari rumah sebagai jaminan jika setengahnya tersebut dimiliki oleh orang lain, kecuali jika orang tersebut adalah teman sebagian pemiliknya. Namun, menurut
 pandangan Malikiyah, Syafi'iyah, dan Hanabilah, barang yang dimiliki bersama masih dapat digunakan sebagai jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 .
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 Mengenai pendapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520\charrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2296912  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 atas bisa kita fahami, bahwa utang piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520\charrsid15343542  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520\charrsid15343542  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 dilakukan di Desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 Sokogrenjeng}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 menggunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 sistem bunga,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yakni}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid7624520 dalam setiap pinjaman dikasih bunga 20%. Yang mana dalam pendapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 di}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 atas}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 telah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 dipaparkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 bahwa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 suatu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd12\expndtw60\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 menggunkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 tambahan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 pembayaran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 atau}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 menggunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 bunga,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 maka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 hukumnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 haram}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-7\expndtw-57\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 karena}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 termasuk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 riba.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 Jadi,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 penulis}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 menyimpulkan,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 jika}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 dilakukan dengan menggunakan bunga, maka utang piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw60\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 
yang dilakukan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 di Desa Sokogrenjeng telah melanggar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7624520 aturan hukum syari\rquote at}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid7624520 mana}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 hukumnya tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid7624520 sah.
\par Jika}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 kelahiran}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 tidaklah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 benda}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 memiliki}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 nilai}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 rupiah,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 pada}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 akhirnya}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 akan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 mengkhawatirkan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 ketika}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 orang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 berutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 terus menerus tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 dapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 melunasi utangnya.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 Sedangkan dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 syarat }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid7624520 marhun bih }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 menerangkan bahwa jika seorang yang melakukan utang}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 tidak bisa melunasi utangnya, maka pelunasan akan diambilkan dari jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 yang digunakannya. Apabila tidak memungkinkan pembayaran dari barang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid7624520  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 jaminannya }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid7624520 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 dikarenakan jaminan yang digunakan tidak bernilai, maka }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid7624520 rahn}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\expnd0\expndtw1\insrsid7624520  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 (jaminan) tidak sah. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7211757\charrsid7211757 Karena itu, jika barang yang dijadikan jaminan tidak memenuhi syarat-syarat yang sesuai
 untuk digunakan sebagai jaminan hutang, seperti yang telah dijelaskan sebelumnya, maka jika perjanjian jaminan disertai dengan persyaratan yang cacat atau tidak sah, jaminan tersebut tetap berlaku, tetapi persyaratan tersebut menjadi tidak berlaku}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7624520 .
\par }\pard \ltrpar\s22\qj \li0\ri95\sb171\nowidctlpar\tx1276\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid13529502\charrsid13529502 Kesimpulan}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\insrsid10449755 

\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid5905993 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Dari kajian ini, Praktik}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8218971 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 jaminan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8218971 akta}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 di}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 desa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Sokogrenjeng}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Kecamatan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Kenduruan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 sudah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 sama}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd12\expndtw60\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 seperti}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw61\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 praktik}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 utang piutang dengan menggunakan jaminan pada umumnya. Namun}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 
terdapat syarat yang tidak terpenuhi yaitu jaminan yang digunakan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 tidak memenuhi syarat jaminan, yang mana barang tersebut}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 tidak}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 bernilaikan}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 rupiah.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Dalam}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 utang}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 piutang}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 terdapat}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd12\expndtw61\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 tambahan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Tambahan atau bunga yang dikenakan sebesar 20% yang mana bunga}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 
tersebut}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 diangsur}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 bersamaan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 dengan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 pinjamannnya}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 yaitu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 diangsur}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 selama satu minggu sekali sampai 10 kali angsuran atau 3 bulan. Jika}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8218971 selama}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 bulan}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 belum}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 bisa}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \expnd1\expndtw5\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 melunasi,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw8\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 maka}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw5\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 bisa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd1\expndtw5\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 mengajukan perpanjangan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4158296\charrsid4158296 Penambahan pada transaksi hutang dan piutang tidak diizink
an karena dapat menghasilkan unsur riba yang merugikan dan bertentangan dengan prinsip hukum riba yang diharamkan dalam agama Islam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 . Dengan demikian,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 praktik utang piutang yang terjadi di Sokogrenjeng harus dihindari}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid8218971 karena mengandung unsur riba dan dengan jaminan akta kelahiran di}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 desa Sokogrenjeng Kecamatan Kenduruan hukum jaminannya berupa}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 kata kelahiran}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw-4\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 tidak}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \expnd0\expndtw2\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 sah}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd0\expndtw1\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 menurut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\expnd1\expndtw6\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 hukum}{\rtlch\fcs1 \af0 \ltrch\fcs0 \expnd-1\expndtw-7\insrsid8218971  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8218971 Islam.
\par 
\par }\pard \ltrpar\s22\qj \fi720\li0\ri95\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin95\lin0\itap0\pararsid13710938 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13710938 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri1421\sb1\sa160\sl480\slmult1\widctlpar\tx1720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1421\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31503\fs24\insrsid13710938\charrsid8218971 Referensi }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid13710938\charrsid5778608 

\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb1\sa160\widctlpar\tx1720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Ali Hasan,Mohammad.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqh Muamalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 PT. Raja Grafindo : Jakarta. 2003}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid13710938 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Anshori,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd10\expndtw52\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Abdul}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd8\expndtw41\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Ghofur}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd11\expndtw55\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Gadai}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd9\expndtw46\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Syaiah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd10\expndtw50\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 di}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd9\expndtw46\insrsid13710938\charrsid5778608  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Indonesia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd10\expndtw52\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Yogyakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd10\expndtw51\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Gajah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd9\expndtw45\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Mada. 2005}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid13710938\charrsid5778608 
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\tx7773\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Antonio,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd11\expndtw58\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhammad}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd11\expndtw56\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Syafi\rquote i.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Bank}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw55\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw58\insrsid13710938\charrsid5778608  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Dari}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Teori}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 ke}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw56\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Praktik}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 . Jakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Gema Insani.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2001Jazil, Syaiful.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqih Mu\rquote amalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 . Surabaya : UIN Sunan Ampel Press. 2014
\par Antonio,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd11\expndtw58\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhammad}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd11\expndtw56\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Syafi\rquote i.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Bank}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw55\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Syariah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw58\insrsid13710938\charrsid5778608  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Dari}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Teori}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 ke}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd11\expndtw56\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Praktik}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 . Jakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Gema Insani.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2001
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Arriza,Muhammad}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd7\expndtw36\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Rifqi.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Teori}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd7\expndtw37\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 dan}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd8\expndtw41\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Praktek}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd7\expndtw36\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Akad}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd7\expndtw36\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Qard}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd7\expndtw37\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 (Utang}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd8\expndtw41\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Piutang)}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd7\expndtw38\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 dalam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Syariat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Islam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Vol.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 No.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 2.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2015
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb1\sa160\widctlpar\tx1720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Aziz, Abdul. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Esensi Utang dalam konsep Ekonomi Islam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 . Vol.4, No. 1. Juni 201}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938 6}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid13710938\charrsid5778608 
\par }\pard\plain \ltrpar\s22\qj \fi-720\li720\ri90\sb3\nowidctlpar\wrapdefault\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 az-Zuhali, Wahbah.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid13710938\charrsid5778608 al-fiqh al-islam wa adillatuh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 
. jilid V. Beirut:dar al-Fikr. 1984}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri90\sa160\sl237\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Departemen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Agama}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-4\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 RI.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Al-Quran}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 dan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Terjemahnya.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Bandung:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Jabal.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2010
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Haroen, Nasroen.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Mu\rquote amalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-4\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Jakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-1\expndtw-6\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Gaya}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Media}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Pratama.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2007
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb144\sa160\sl237\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Hasbi}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd1\expndtw8\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 as-Siddiqy,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd3\expndtw18\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Teungku}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhammad.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Pengantar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd3\expndtw15\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Mu\rquote amalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd2\expndtw14\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Semarang}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 PT.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Pustaka}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Rizki.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2010
\par Hasbi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd1\expndtw8\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 as-Siddiqy,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd3\expndtw18\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Teungku}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhammad.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Pengantar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd3\expndtw15\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Mu\rquote amalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd2\expndtw14\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Semarang}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd3\expndtw17\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 PT.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Pustaka}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Rizki.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2010
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Huda,Qomarul.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fiqh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Mu\rquote amalah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Yogyakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Teras.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-1\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2011
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb1\sa160\widctlpar\tx1720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Idri.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Hadis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 ekonomi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608 
 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 (Ekonomi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Dalam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Perspekif}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Hadis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Nabi).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Surabaya:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 UIN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Sunan}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Ampel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd-1\expndtw-7\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Press.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2014}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f31503\fs24\insrsid13710938\charrsid5778608 
\par }\pard\plain \ltrpar\s22\qj \fi-720\li720\ri90\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Latif,Azharudin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\insrsid13710938\charrsid5778608 Fiqh}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\expnd-1\expndtw-5\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid13710938\charrsid5778608 Mu\rquote amalah}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Jakarta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw-3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\insrsid13710938\charrsid5778608 UIN}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Jakarta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw-2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Press}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 2005}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\super\insrsid13710938\charrsid5778608 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri90\sa160\sl237\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 M.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd10\expndtw51\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Setiadi,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd10\expndtw51\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Elly.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Pengantar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd9\expndtw47\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Sosiologi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd9\expndtw49\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 \'93Pemahaman}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd9\expndtw49\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Fakta}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd9\expndtw49\insrsid13710938\charrsid5778608 
 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 dan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd9\expndtw45\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Gejala}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd8\expndtw44\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Sosial\'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Bandung:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Pranada}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Media}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Group.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-1\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2010
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\tx7773\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhajir, Noeng }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Metodologi Penelitian Kualitatif }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 . Yogyakarta: rake saasi. 2002
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb90\sa160\sl242\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Ritqi,Anita.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Aspek}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw32\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Risiko}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw33\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Produk}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw32\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Gadai}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd6\expndtw34\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Emas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw31\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Pada}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw33\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Pegadaian}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd6\expndtw34\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Syariah}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd7\expndtw36\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Skripsi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-7\expndtw-57\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 UIN Syarif}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd-1\expndtw-6\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Hidayatullah:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Jakarta.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2011
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\tx7773\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Samsu,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 metode Penelitian.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\expnd1\expndtw5\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Jambi:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Pusaka}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Jambi.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 2017
\par }\pard\plain \ltrpar\s22\qj \fi-720\li720\ri90\sb171\nowidctlpar\tx1276\wrapdefault\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang62\langfe1033\cgrid\langnp62\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Sjahdeini, Sutan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Remi.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f31503\insrsid13710938\charrsid5778608 Perbankan Islam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 . Jakarta: Yayasan Adikarya IKAPI.2007}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid14358121 Shoim, Wawancara, Tuban, 08 November 2022}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 
\par }\pard \ltrpar\s22\qj \fi-720\li720\ri90\sb171\nowidctlpar\wrapdefault\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Syafe\rquote i,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f31503\expnd0\expndtw3\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Rachmat.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f31503\insrsid13710938\charrsid5778608 Fiqih}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\f31503\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Mu\rquote amalah.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Bandung: Pustaka}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd0\expndtw-1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 Setia.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f31503\expnd0\expndtw2\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\insrsid13710938\charrsid5778608 2001}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f31503\expnd6\expndtw34\insrsid13710938\charrsid5778608 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri90\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 \rtlch\fcs1 \af1\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang14345\langfe1033\kerning2\cgrid\langnp14345\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Toha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd1\expndtw5\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Anggoro,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd13\expndtw67\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Muhammad}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd13\expndtw67\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f31503\fs24\insrsid13710938\charrsid5778608 Metode}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd13\expndtw68\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Penelitian}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd13\expndtw67\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Jakarta:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd13\expndtw66\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Universitas}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd12\expndtw63\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Terbuka.
\par }\pard \ltrpar\qj \fi-720\li720\ri90\sb1\sa160\sl237\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin90\lin720\itap0\pararsid13710938 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Yunus,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Mahfud}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Kamus}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\insrsid13710938\charrsid5778608 Arab-indonesia.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 Jakarta:Yayasan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 
Penyelenggaraan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw1\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Penterjemah}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\expnd0\expndtw-4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 Penafsiran}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw-3\insrsid13710938\charrsid5778608  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\insrsid13710938\charrsid5778608 al-Quran.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f31503\fs24\expnd0\expndtw4\insrsid13710938\charrsid5778608  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f31503\fs24\insrsid13710938\charrsid5778608 1989
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