NILAI ORGANISASI KEAGAMAAN DAN POLA KONSUMSI MUSLIM: STUDI PADA ANGGOTA MUHAMMADIYAH, NU, DAN LDII DI DESA JOHO TULUNGAGUNG

Abstract

This study is motivated by the importance of applying Islamic economic law principles in used car sale and purchase transactions, which are vulnerable to a lack of transparency, particularly regarding the condition of the object of the contract. In fiqh muamalah, the concept of khiyar serves as a protection mechanism for the contracting parties, allowing them to continue or cancel the contract when valid reasons exist under Islamic law. This study aims to describe the practice of used car sale and purchase transactions and to analyze the application of khiyar rights from the perspective of Islamic economic law at a used car showroom. This research employs field research with a descriptive qualitative approach. Data were collected through observation, interviews, and documentation, and were analyzed descriptively. The findings show that elements of khiyar have been applied through the opportunity given to consumers to inspect the vehicle before the contract is concluded. However, the application of khiyar, particularly khiyar al-‘ayb and khiyar al-shart, has not been explicitly formulated in a written agreement, resulting in limited consumer protection. In general, the transaction practice reflects several values of Islamic economic law, such as honesty, transparency, mutual consent, and responsibility. This study concludes that the application of khiyar rights needs to be strengthened through written clauses, warranty mechanisms, and complaint resolution procedures so that used car sale and purchase transactions become fairer, more transparent, and provide better protection for consumers.