Analysis of Gold Pawn in Indonesia: A Comparative Study between DSN-MUI and AAOIFI
DOI:
https://doi.org/10.30762/istithmar.v8i1.1208Keywords:
Rahn, Pion Emas, AAOIFI, DSN-MUIAbstract
The development of sharia-based products in Indonesia have been increasingly rife, one of the most growing is rahn/Islamic pawn. Basically, a pawn contract is a type of tabarru’/voluntary contract which does not generate profit, however there are many Islamic financial institutions that offer pawn products especially gold pawn product. This research aims to analyze the comparison between the AAOIFI and DSN-MUI in the provisions regarding gold pawn contract. This research is a type of literature study using descriptive qualitative approach. The finding of research is that there are similarities and differences between both AAOIFI and DSN-MUI in the provisions regarding gold pawn contract. The most salient difference is that the Fatwa of DSN-MUI allows the Islamic financial institutions as the mortgagee to charge to the mortgagor some fees for safekeeping and maintenance of the mortgaged asset through ijarah contract, which make the gold pawn contract become profitable for the mortgagee. Unlike in the AAOIFI Shariah Standard which does not give the mortgagee a chance to obtain profit from this contract.
Keywords: Rahn, Gold Pawn, AAOIFI, DSN-MUI
References
AAOIFI Shari’ah Standards No. 39 Mortgage and Its Contemporary Application
Fatwa DSN-MUI No. 25/2002 about Rahn
Fatwa DSN-MUI No. 26/2002 about Gold Rahn
Arrum Mahmudahningtyas. “Analisis Kesyariahan Transaksi Rahn Emas (Studi Pada Pegadaian Syariah Cabang Landungsari Malang)”, Jurnal Ilmiah, Malang: Universitas Brawijaya, 2015.
Anesa Arispen, dkk. “Analisis Fatwa DSN-MUI terhadap Penentuan Biaya Ijarah dalam Sistem Gadai Syariah di Pegadaian Syariah Situsaeur Bandung”, Prosiding Keuangan dan Perbankan Syariah, Vol. 2, No. 1, Tahun 2016.
Anggia Jancynthia Nurizki Wardani. “Kesesuaian Produk Gadai Emas Berdasarkan Fatwa DSN-MUI Di Bank Syariah Mandiri Surabaya”, JESTT, Vol. 2 No. 12, Desember 2015.
Ayu Siti Rochmah, “Implementasi Pengenaan Biaya Ijarah Pada Produk Gadai (Rahn) Emas Di Cabang Pegadaian Syariah Solo Baru”, Skripsi, Surakarta: Institut Agama Islam Negeri (IAIN) Surakarta, 2018.
Agus Triyanta, “Fatwa dalam Keuangan Syariah: Kekuatan Mengikat dan Kemungkinannya untuk Digugat Melalui Judicial Review”, Jurnal Hukum IUS QUIA IUSTUM, No. 1, Vol. 21, Januari 2014.
Atiqoh Prakasi, “Pelaksanaan Gadai Emas Di Bank Mega Syariah”. Skripsi S-1 Fakultas Hukum, Universitas Indonesia, 2012.
Cahyusha Desmutya Herfika, “Analisis Komparasi Mekanisme Produk Kredit Pada Pegadaian Konvensional Dan Pembiayaan Pada Pegadaian Syariah (Studi Kasus pada PT Pegadaian di Nganjuk dan Kediri”,Jurnal Ilmiah, Malang: Universitas Brawijaya, 2013.
M. Zainuddin Alanshori, “Analsis Fatwa DSN-MUI Nomor 25/III/2002 Terhadap Penetapan Ujrah Dalam Akad Rahn Di BMT UGT Sidogiri Cabang Waru Sidoarjo”, J E S, Vol. 2, No. 1, September 2017.
Nurvianti, Tiara. “Implementasi Gadai Emas Pada Bank Syariah Mandiri Kantor Cabang Pembantu Kedaton Bandar Lampung Berdasarkan Fatwa DSN-MUI No.25/DSN-MUI/III/2002”, Skripsi S1, Bandar Lampung: Institut Agama Islam Negeri (IAIN) Metro, 2020.
Siti Rochmah, Ayu. “Implementasi Pengenaan Biaya Ijarah Pada Produk Gadai (Rahn) Emas Di Cabang Pegadaian Syariah Solo Baru”, Skripsi S1,Surakarta: Institut Agama Islam Negeri (IAIN) Surakarta, 2018.
Anggia Jancynthia Nurizki Wardani, “Kesesuaian Produk Gadai Emas Berdasarkan Fatwa DSN-MUI Di Bank Syariah Mandiri Surabaya”,JESTT, Vol. 2 No. 12, Desember 2015.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Izzatul Muna
This work is licensed under a Creative Commons Attribution 4.0 International License.
