GADAI SYARIAH DALAM PERSPEKTIF EKONOMI ISLAM

Authors

  • Arif Effendi

DOI:

https://doi.org/10.21580/wa.v15i1.528

Abstract

Absract

The word mortgage is a French Law term meaning "death contract", meaning that the pledge ends or dies when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage is a way to use one's real property, like motorcycle, car or gold etc. as a guarantee for a loan to get money. In Islamic economic perspective it is called Rahn.

In a rahn, there is a debtor and a creditor. The debtor or rahin is the owner of the property, while the creditor or murtahin is the owner of the loan. When the rahn transaction is made, the rahn gets the money with the loan, and promises to pay the loan. The murtahin will receive money back with management fee for entrustment cost, concervancy cost, and custody cost as well as appraisal cost. If the rahin does not pay the loan, the murtahin can take and sell the mortgaged property through foreclosure.

This paper will see Rahn in Islamic fiqh through Al Qur’an, As-Sunnah, Ijma’, and positive law of Indonesia and take an example at PT Pegadaian (Persero).

Keywords: Rahn, The debtor (rahin), The creditor (murtahin)

Downloads

Download data is not yet available.

References

References

Abdul Ghofur Anshori, 2009, Perbankan Syariah di Indonesia, Cetakan kedua, Gadjah Mada University Press, Yogyakarta.

Ari Agung Nugraha, 2004, Gambaran Umum Kegiatan Usaha Pegadaian Syariah, Pegadaian Syariah/aboutme.htm

Dessy Natalia, 2009, Pegadaian Syariah : Teori dan Aplikasinya pada Perum Pegadaian di Indonesia, IPB, Bogor.

Muhammad Syafi’i Antonio, 2011, Bank Syariah : Dari Teori ke Praktik, Cetakan Ketujuh belas, Gema Insani, Jakarta.

Mukhlas, 2010, Implementasi Gadai Syariah Dengan Akad Murabahah dan Rahn, Tesis Magister Ilmu Hukum, UNS Sebelas Maret, Surakarta

Rudy Kurniawan, 2004, Lelang Syariah, tripod.com/favorite.htm

Tri Pudji Susilowati, 2008, Pelaksanaan Gadai Dengan Sistem Syariah di Perum Pegadaian Semarang, Tesis Magister Kenotariatan, Undip, Semarang.

Al Qur’an dan Terjemahannya, An Nur, Asy-Syifa’, Semarang.

Fatwa Dewan Syariah Nasional Nomor : 25/DSN-MUI/III/2002 tentang Rahn

Fatwa Dewan Syariah Nasional Nomor : 26/DSN-MUI/III/2002 tentang Rahn Emas

Penjelasan Undang-Undang Nomor 3 tahun 2006 tentang Peradilan Agama.

Undang-Undang Nomor 21 tahun 2008 tentang Perbankan Syariah

Downloads

Published

2016-03-16

Issue

Vol. 15 No. 1 (2013): Wahana Akademika

Section

Articles

License

Authors who publish with this journal agree to the following terms:

    1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

    1. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.

  1. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).