ALIH FUNGSI DANA SOSIAL KE SIMPAN PINJAM DI DESA CIKEMBULAN KECAMATAN PEKUNCEN MENURUT HUKUM ISLAM
Abstract
Islam regulates all aspects of human life, including the issue of debt and savings and loans. In everyday life, debt is often seen as a way to meet life's needs. It is not uncommon for someone to face urgent circumstances that require borrowing money to meet their needs. The Dawis group is an organization of women whose goal is to grow together and is active in various social activities in the community. These social activities are funded by member contributions collected in the form of a social fund. However, one of the Dawis groups in Cikembulan Village, Pakuncen District, Banyumas Regency, namely Dawis Mawar, experienced a change in the use of social funds. Funds originally allocated for social activities were then diverted to savings and loans among members. This diversion was made because helping fellow members was considered more beneficial than helping outsiders in need. This research is a field study. The data collection methods used were observation, interviews, and documentation. The analysis methods used were reduction, presentation, and conclusion drawing. The results of the study indicate that, from an Islamic legal perspective, the practice of converting social funds into savings and loan funds at Dawis Mawar in Cikembulan Village, Pakuncen District, Banyumas Regency, indicates a change in the use of funds, which were originally used for social activities among members and then transferred to savings and loan activities between members. This situation is understandable in Islamic legal studies, as in this practice there is no hilah. This is because there is no substance of the contract being enforced, only a change in the benefits from the legal consequences of the contract being applied.
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