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Sahabat Bagikan Yah - Pertanyaan: Assalamu’alaikum. Saya mau bertanya, jika seseorang meninggal dunia dan telah meninggalkan urusan utang piutang yang terjadi pada masa lalu, apakah ahli warisnya melunasi hutang itu dengan harga masa lalu atau pada saat ini, karena harga masa lalu dengan masa kini jelas berbeda.

Misalnya dulu 30 tahun yang lalu si mayit pernah berhutang Rp. 1000 tapi sekarang ahli warisnya melunasi sama dengan nominalnya dulu saat berhutang atau seharga pada masa kini? Atau kalau barang harga dulu atau harga sekarang? Maturnuwun [Ibadul Ghofur] Jawaban: Penanya yang budiman, semoga selalu dirahmati Allah swt. Pada prinsipnya hutang haruslah dibayar. Sekalipun hutang sudah lama, ia tetap harus dibayar. Sedang jika ada orang yang meninggal dunia dan tidak memiliki tirkah maka tidak ada kewajiban bagi ahli warisnya untuk membayar hutang tersebut. Namun jika ahli waris bersedia membayar atau menanggung hutannya maka itu sangat dianjurkan karena termasuk perbuatan terpuji. Dalam soal hutang, jika si penghutang ternyata belum bisa membayar hutangnya pada waktu yang telah ditentukan maka ia sebaiknya bicara kepada pihak yang menghutangi. Dan pihak yang menghutangi hendaknya memberikan tenggang waktu kepada si penghutang. Namun persoalannya ternyata tidak cukup sampai disini, sebab hutang yang harus dilunasi ternyata sudah sangat lama. Misalnya, hutang uang sebesar Rp. 1000, sebagaimana dicontohkan di atas sudah tigapuluh tahun, sedang nilai Rp. 1000 tigapuluh tahun bisa jadi sama dengan Rp. 100.000 sekarang mengingat adanya fluktuasi dan perubahan nilai. Dalam kasus ini apakah hutang yang harus dibayar sesuai dengan nominalnya yaitu Rp. 1.000 ataukah mengikuti nilainya pada saat hutang itu dibayar. Prinsip dasar dalam membayar hutang itu sesuai nominal yang dihutang bukan dengan nilainya. Ini artinya orang yang berhutang

hutannya, bukan dengan nilainya. Jadi, jika ia berhutang Rp. 1000 maka ia harus mengembalikan Rp. 1000 meskipun nilai Rp. 1000 pada saat berhutang berbeda pada saat membayarnya. Hal ini didasarkan kepada penjelasan dibawah ini: ِل ِمثْ قَ ْر ِض َردُّ الْ َضى الْ تَ َّن ُمقْ ٌل ِلأَ َیما لَھُ ِمثْ ِل فِ ِمثْ ِر ِض َردُّ الْ ُم ْستَقْ َویَ ِج ُب َعلَى الْ “Wajib atas orang yang berhutang untuk mengembalikan hutannya dengan yang sepadan (al-mitsl) karena hutang menuntut pengembalian yang sepadan” (Abu Ishaq asy-Syirazi, alMuhadzdzab fi Fiqh asy-Syafi’i, Bairut-Dar al-Fikr, juz, 2, h. 304)

Pandangan di atas juga diteguhakan oleh Majma` al-Fiqh al-Islami pada pertemuan ke-5 di Kuwait bulan Jumada al-Ula 1409 H/Desember 1988 M. ِ َّمِة، أیا َك َ ان ِون الثَّابِتَ ِة فِي الذّ َھا، فَ َلا یَ ُج ُوز َرْب ُط الدُّیُ ِال ْمثَ َضى بِأَ َّن الدُّیُ َون تُقْ ِق َیمِة، ِلأَ ِل َولَ ْی َس بِالْ ِمثْ ِة َما ِھ َي بِالْ ِون الثَّابِتَ ِة بِعُ ْملَ ِاء الدُّیُ ِعْب َرةُ فِي َوفَ اَلْ ْسعَ ِار َوى الأَ َم ْصدَ ُر َھا، بِ ُم ْستَ “Yang menjadi patokan dalam membayar hutang yang telah ditetapkan dengan uang apa saja adalah membayar dengan yang sepadan (nominalnya) bukan dengan nilainya (alqimah). Karena hutang mengharuskan dibayar dengan yang sepadannya. Maka tidak boleh mengaitkan hutang yang ada dalam tanggungan, apapun sumbernya, dengan mengikuti tingkat harga (nilainya)”. (Lihat Wahbah az-Zuhaili, al-Mu’amalat al-Maliyyah al-Mu’ashirah, Damaskus-Dar al-Fikr, cet ke-6, 1429 H/2008 M, h. 53) Penjelasan singkat ini jika ditarik ke dalam konteks pertanyaan di atas maka ahli waris yang menanggung hutang si mayyit hanya membayar nominal hutangnya saja atau mitsl bukan nilainya atau qimah.

Jadi, jika si mayyit hutangnya Rp. 1000 maka yang harus dibayar oleh pihak yang menanggung yang dalam hal ini adalah ahli waris, adalah sesuai nominalnya yaitu Rp. 1000. Namun masalahnya uang 1.000 saat ini mungkin tidak bernilai, berbeda dengan tigapuluh tahun yang lalu pada saat transaksi hutang itu terjadi. Dalam hal ini ada pendapat lain mengatakan: َ ال : بُو یُ ُوس َف َوقَ َّم َر َج َع أَ ِل َك َسَو ٌ اء َولَ ْی َس لَھُ َغْی ُر َھا ، ثُ بِي َحنِیفَةَ فِي ذَ ْو ُل أَ ْوِلي َوقَ بُو یُ ُوس َف ، قَ َ ال : أَ ْو َر ُخ َص ْت .قَ قَ ْب ِض أَ ُ وس قَ ْب َل الْ فُلُ إذَا َغلَ ْت الْ قَ ْب ُض َع الْ بَ ْی ُع َویَ ْومَ َوقَ َع الْ َر ِ اھِم ، یَ ْومَ َوقَ َھا ِم ْن الدَّ َیمتُ َعلَ ْی ِھ قِ “Ketika nilai uang kertas menguat atau melemah sebelum jatuhnya masa pembayaran hutang. Dalam hal Abu Yusuf berkata, pendapatku dan dan pendapat Imam Abu Hanifah adalah sama, ia hanya membayar nominal uang pada saat pembayarannya. Kemudian Abu Yusuf menarik pendapatnya, dan mengatakan, ia wajib membayar nilainya uang tersebut senilai dirham pada hari terjadi transaksi jual-beli dan pada hari pembayaran hutangnya” (Ibnu Abidin, Radd al-Mukhtar, Bairut-Dar al-Fikr, 1421 H/2000 M, juz, 4, h. 534) Saran kami, penyelesaian bisa dilakukan dengan prinsip musyawarah atau sulh atau dalam bahasa ekonominya disebut arbitrase. Besaran hutang yang harus dibayar bisa disepakati dengan pihak yang menghutangi. Prinsipnya, para ulama fikih umumnya berpendapat bahwa hutang uang dibayar sesuai nominal tempo dulu. Namun pihak ahli waris lebih baik membayarkan hutang itu dengan nominal yang pantas sesuai dengan perkiraan perubahan nilai uan

Sebaliknya, jika hutang itu dalam bentuk barang, bisa dipastikan membayarnya pun juga dengan barang. Namun terkait perubahan nilai barang antara dulu dengan sekarang lebih baik dibicarakan antara kedua belah pihak. Sekali lagi lebih baik ditempuh dengan jalan musyawarah, dan jangan lupa minta diikhlaskan kepada pihak yang menghutangi atau keluarganya agar si mayyit tenang dan bebas tanggungan di akhirat sana. Tidak lupa kami juga mengingatkan agar kita buru-buru menyelesaikan akad hutang kita jika sudah mampu untuk membayar agar tidak menjadi persoalan dan beban ahli waris di masa yang akan datang. Demikian jawaban yang dapat kami sampaikan, semoga bermanfaat. Sumber: nu.or.id

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