Etika Transaksi Utang-Piutang dalam Islam : Kajian Tafsir QS. Al-Baqarah Ayat 282 dan Relevansinya terhadap Wanprestasi

Abstract

The purpose of this study is to analyze ethics in debt-credit transactions (mudayanah) based on Surah Al-Baqarah, verse 282, and their role in preventing default in Islamic business. This study employs a qualitative method using a descriptive-analytical literature review approach and thematic interpretation. The findings indicate that the documentation of agreements, clarity regarding repayment deadlines, honesty, fairness, and witness testimony are crucial principles in debt-credit transactions. The application of these principles can reduce the likelihood of disputes and breach of contract. If a dispute arises, it can be resolved through deliberation, reconciliation, or other dispute resolution methods in accordance with applicable regulations. Thus, Surah Al-Baqarah, verse 282, serves as the primary reference for creating transparent, fair, and responsible Islamic business transactions.