Hikmat berdiri Sebagai Hukum Perjanjian: Solusi Alternatif untuk Penyelesaian Sengketa Keuangan menurut Amsal 6:1-5

Well Therfine Renward Manurung, Farel Yosua Sualang

Abstract


Abstract: Proverbs is a book which contains wisdom and is a very important book in the Old Testament besides the other books of wisdom. An important piece of wisdom in Proverbs 6:1-5 is the practical advice regarding an inexperienced person becoming a guarantor for others, thereby exposing himself to risks such as financial ruin, poverty or even debt. This research uses qualitative terms such as: analysis from the perspective of biblical theology, exegesis with an interpretative approach (interpretative design), specifically thematic study, in order to explore and obtain the meaning of words and the implementation of the phrases "fellow insurer", "agreement", "entangled and caught", "words of mouth", "escape" in a financial dispute. This article presents new insight on the concept of insurers, such as: Firstly, the concept of insuring is a risky concept for someone who becomes an insurer because an insurer will be under the power of the debtor. Secondly, liability is a form of insuring because it is a taking on of obligation and not a physical standing-in. Thirdly, the concept of insuring must pay attention to the factors of agreement and the competence of the parties to the agreement. Fourthly, an insuring agreement must provide a financial dispute resolution option, so that the parties can make a new agreement. Insurances that have occurred can be canceled with an agreement mechanism where the lender and the recipient of the loan release their rights and obligations.

Abstrak: Amsal merupakan kitab hikmat sangat penting di dalam Perjanjian Lama selain kitab-kitab hikmat lainnya. Hikmat penting dalam Amsal 6:1-5 adalah pengaturan praktik menanggung utang sesama oleh seseorang yang tidak berpengalaman, sehingga kemudian membawa risiko bagi dirinya seperti kehancuran finansial, kemiskinan atau bahkan perbudakan utang. Penelitian ini menggunakan kaidah kualitatif yang meliputi: pengkajian dari sudut pandang teoligi biblika, eksegesis dengan pendekatan interpretative (interpretative design) khususnya studi tematik, sehingga pada akhirnya dapat menggali dan memperoleh makna kata serta implementasi frasa “penanggung sesama”, “persetujuan”, “terjerat dan tertangkap”, “perkataan mulut”, “lepaskan diri” dalam suatu sengketa finansial. Artikel ini memberi pemahaman yang baru mengenai konsepsi penanggungan, yaitu: pertama, konsepsi penanggungan merupakan suatu konsep yang beresiko bagi seseorang yang menjadi penanggung karena seorang penanggung akan berada dibawah kuasa dari pemberi hutang. Kedua, kewajiban merupakan wujud dari penanggungan karena dalam konsepsi ini yang terjadi adalah substitusi pihak yang melakukan kewajiban bukan penanggungan badan (fisik). Ketiga, konsepsi penanggungan harus memperhatikan faktor kesepakatan dan kecakapan para pihak dalam melakukan persetujuan. Kempat, dalam suatu persetujuan penanggungan harus menyediakan opsi penyelesaian sengketa keuangan, sehingga para pihak dapat melakukan persetujuan baru. Penanggungan yang telah terjadi dapat dibatalkan dengan mekanisme kesepakatan di mana pihak pemberi dan penerima pinjaman melepaskan hak dan kewajiban mereka.


Keywords


wisdom, insurer, agreement, hikmat, penanggung, persetujuan

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DOI: https://doi.org/10.53674/teleios.v3i2.63

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