Buy or rent ????
In today's modern era of ever increasing levels of human needs and the culture of consumption is more widespread amongst the people. One of business activity is often done at the moment is buying and selling credits. Although it does not have enough capital, both individuals and companies can make purchases on credit. It is intended that the community needs remain unmet despite the absence of transaction costs in doing that.
Regarding the sale of credit, in this case there are differences of opinion regarding the concept. This can be said because it's selling the contract purchase made on credit though. But it can also be said lease, because the rights to the delivered item has not been fully transferred to the buyer. Because if the buyer is not able to pay the mortgage then the goods that have been granted may be withdrawn back. While the concept about sale, goods that have been given to the buyer has a full right to the buyer.1
So it can be concluded that the sale of the existing loan is more precisely described as hire purchase. Lease because the goods are said to be vested entirely to the buyer. The new item can be moved completely to the right of the buyer if the buyer has paid in full or paid on such goods. So it is more appropriate if the purchase is called a lease purchase. So there has been agreement that this should be the need for realignment.
BY : ENY WULANSARI
NIM : 11220015
1 Burhanuddin, hukum kontrak syariah, ( yogyakarta: BPEE, 2009 ), 238
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