Wanprestasi Murtahin dalam Akad Pegadaian Bank Syariah

  • Muhammad Aji Samudra Fakultas Hukum, Universitas Islam Sultan Agung
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Abstract

The rapidly increasing population is one of the influencing factors, the government with attention to this growth certainly needs to establish financial institutions to assist the community in overcoming their economic difficulties, especially during the COVID-19 pandemic. The basis for this research is the emergence of cases in gold pawning in Islamic banking, namely the sale of pawned gold without the knowledge of the owner.

The purpose of this research is to determine the concept of pawning according to Islamic law and the harmony between Islamic banking and Sharia principles. This study The approach method used in this study is a juridical empirical approach. Based on the results of the research, it is concluded that the concept used in gold pawning in Islamic banking in Indonesia was adopted from the concept of pawning according to Islamic law, then in general the implementation of gold pawning at BRI Syariah is not in accordance with the concept of pawning according to Islamic law, Fatwa of the National Sharia Board or Circular. Bank Indonesia.

 

Keywords: Sharia Pawn, Gold Rahn, BRI Syariah.

 

Abstrak

Pertambahan jumlah penduduk yang semakin pesat menjadi salah satu yang faktor yang mempengaruhi, pemerintah dengan memperhatikan pertumbuhan ini tentunya perlu mengadakan lembaga–lembaga keuangan untuk membantu masyarakat dalam mengatasi kesulitan ekonominya terutama pada saat pandemi covid19 ini. Dasar dilakukanya penelitian ini adalah munculnya kasus dalam gadai emas pada perbankan syariah, yaitu penjualan emas yang digadaikan tanpa sepengetahuan pemilik.

Tujuan dilakukanya penelitian ini untuk mengetahui konsep gadai menurut hukum Islam serta keselarasan antara Bank Syariah dengan prinsip Syariah. Penelitian ini Metode pendekatan yang digunakan dalam penelitian ini adalah pendekatan yuridis empiris. Berdasarkan hasil penelitian, disimpulkan bahwa konsep yang digunukan dalam gadai emas pada perbankan syariah di Indoneisa diadopsi dari konsep gadai menurut hokum Islam, kemudian secara umum pelaksanaan gadai emas pada BRI Syariah belum sesuai dengan konsep gadai menurut hukum Islam, Fatwa Dewan Syariah Nasional ataupun Surat Edaran Bank Indonesia.

 

 

Kata Kunci : Gadai Syariah, Rahn Emas, BRI Syariah.

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Published
2020-07-23
How to Cite
Muhammad Aji Samudra. (2020). Wanprestasi Murtahin dalam Akad Pegadaian Bank Syariah. Jurnal Hukum Ekonomi Islam, 3(1), 96-110. Retrieved from https://jhei.appheisi.or.id/index.php/jhei/article/view/47
Issue
Vol. 3 No. 1 (2019): Jurnal Hukum Ekonomi Islam (JHEI)
Section
Articles

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