SEBAB PERCERAIAN YANG DIPICU PERTENGKARAN KARENA MASALAH UTANG DI BANK EMOK (STUDI KASUS DI DESA TANJUNGSARI KECAMATAN SALOPA KABUPATEN TASIKMALAYA)

Abstract

The inception of the debt and credit system at Emok Bank in Tanjungsari Village, Salopa
Subdistrict, Tasikmalaya Regency is closely linked to the inadequate income generated for
meeting household need. Nevertheless, the provision of loans to bank personnel is accompanied
by numerous detrimental repercussions in practical application. The primary objective of this
research is to ascertain the viewpoints of Islamic law and positive law on bank emok, discern the
factors that contribute to the emergence of bank emok, and analyze the societal ramifications
associated with bank emok. The present study employs a qualitative descriptive methodology,
with the objective of offering a full depiction of the observed occurrences. The research
employed a normative-empirical methodology, adopting a juridical perspective. The acquisition
of primary and secondary data was facilitated through the utilization of observation, interviews,
and literature research as methods of data collecting. The findings of this analysis suggest that
the debt and credit transactions conducted at Bank Emok fall within the realm of muamalah
actions that are prohibited according to Islamic law. The presence of usury is a notable factor in
the execution of these agreements. Furthermore, within the domain of positive law, there exists a
lack of precise norms governing this particular issue. The proliferation of these loans is
contingent upon prevailing economic circumstances and the adoption of a hedonistic way of life.
Moreover, this phenomenon has had an impact on the frequency of divorce. The establishment of
the debt and credit system at Emok Bank in Tanjungsari Village, Salopa Subdistrict, Tasikmalaya
Regency is intricately connected to the insufficiency of money generated to fulfill household
need. However, the act of providing loans to bank employees is associated with several negative
consequences in real-world implementation. The main aim of this study is to investigate the
perspectives of Islamic law and positive law about bank emok, identify the reasons that
contribute to the establishment of bank emok, and examine the societal consequences associated
with bank emok. The current study utilizes a qualitative descriptive methodology in order to
provide a comprehensive portrayal of the observed phenomena. The study utilized a normativeempirical approach, taking into consideration a juridical standpoint. The collection of primary
and secondary data was aided by employing observation, interviews, and literature research as
data collection methods. The research reveals that the debt and credit transactions carried out by
Bank Emok are deemed impermissible under Islamic law, as they fall within the category of
muamalah actions that are prohibited. The existence of usury is a significant element in the
implementation of these agreements. Moreover, it is worth noting that within the realm of
positive law, there is a noticeable absence of well-defined rules that regulate this specific matter.
The widespread availability of these loans is dependent on the current economic conditions and
the acceptance of a hedonistic lifestyle. Furthermore, this phenomena has had a significant
influence on the prevalence of divorce