Praktik Pinjaman Berbunga di Kalangan Warga Jemaat: Tinjauan Etika Thomas Aquinas dan Implikasinya bagi Jemaat di Gereja Toraja Lare-lare

Emba, Yuni Craisya (2026) Praktik Pinjaman Berbunga di Kalangan Warga Jemaat: Tinjauan Etika Thomas Aquinas dan Implikasinya bagi Jemaat di Gereja Toraja Lare-lare. Scholar thesis, Institut Agama Kristen Negeri Toraja.

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Abstract

Penelitian ini mengkaji praktik pinjaman berbunga 10% per bulan di Jemaat Lare-lare yang didorong oleh kebutuhan mendesak jemaat. Tujuan penelitian adalah menganalisis praktik tersebut berdasarkan etika Thomas Aquinas dan mengidentifikasi implikasinya bagi kehidupan berjemaat. Teori dasar yang digunakan mencakup prinsip keadilan dan kesejahteraan bersama (bonum commune). Penelitian ini menggunakan metode kualitatif melalui observasi dan wawancara dengan sembilan informan. Hasil penelitian menunjukkan bahwa praktik bunga tersebut dikategorikan sebagai riba menurut perspektif Thomas Aquinas karena melanggar keadilan komutatif, di mana bunga ditetapkan secara tetap tanpa dasar kerugian nyata (damnum emergens). Implikasinya, praktik ini menghambat terwujudnya kesejahteraan bersama karena memicu keretakan relasi sosial (sisala-sala), menimbulkan rasa malu (masiri’) yang membuat jemaat menarik diri dari persekutuan, serta memicu konflik internal keluarga. Oleh karena itu, gereja perlu menyediakan solusi ekonomi konkret seperti dana diakonia darurat. Kata Kunci: Pinjaman Berbunga, Thomas Aquinas, Keadilan, Kesejahteraan Bersama, Jemaat Lare-Lare. ABSTRACT This study examines the practice of 10% monthly interest-bearing loans in the Lare-Lare Congregation, driven by urgent financial needs. The objective is to analyze this practice through Thomas Aquinas' ethics and its implications for congregational life. The basic theory includes principles of justice and the common good (bonum commune). A qualitative methodology was employed, using observation and interviews with nine informants. The results indicate that this practice is categorized as usury from Aquinas' perspective because it violates commutative justice, with interest fixed by custom rather than actual loss (damnum emergens). Its implications hinder the common good by triggering social friction (sisala-sala), causing shame (masiri’) that leads to withdrawal from fellowship, and sparking domestic conflicts. Consequently, the church must provide concrete economic solutions, such as emergency diaconal funds. Keywords: Interest-Bearing Loans, Thomas Aquinas, Justice, Common Good, Lare-Lare Congregation.

Item Type: Thesis (Scholar)
Subjects: B Philosophy. Psychology. Religion > BJ Ethics
Depositing User: am andarias m.
Date Deposited: 30 Jul 2026 18:41
Last Modified: 03 Aug 2026 09:49
URI: http://digilib-iakntoraja.ac.id/id/eprint/5592

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