Analisis Model Pembayaran Transaksi Jual Beli Sepeda Motor Bekas di Showroom Al-Hidayah Sumberayu Dalam Perspektif Ekonomi Syari’ah

Abstrak

In the sale and purchase of motorcycles, both used and new usually in the process of payment using two ways, namely by way of payment in cash (cash payment) and payment through the installment model (installment payment). One of the most widely applied motorcycle sales system in the current development is installment payments and consumers are required to provide down payment. The amount of down payment to be paid by consumers is determined based on agreement between the seller and the consumer in carrying out the transaction. Shows that the payment model in Al-Hidayah Showroom in used sale and purchase of used motorcycles uses two payment models, namely in cash and on credit. Payment in cash is indicated by the delivery of the paid receipts from the showroom to the buyer, While financing on credit if payment will be paid less than 2-3 months, then the showroom will hold BPKB as a form of guarantee until the buyer can pay off all installments. The agreement used by the showroom in a transaction in cash is by using Murabahah contract. As for transactions on credit using the contract Rahn. The forms of payment available in the Al-Hidayah Showroom, whether cash or credit, basically are in accordance with the principles of Islamic economics. In the sale and purchase transaction in Al-Hidayah Showroom has set the principle of transparency, no coercion, mutual relinquishment, and the existence of payment proof written as a guideline in the transaction, both transactions in cash and in the sale and purchase transactions on credit