Determination of Mu'nah Pawn from The Perspective of Fatwa DSN MUI (Comparative Study on Pegadaian Syariah and Bank Syariah Indonesia)
Abstract
The determination of mu'nah on Pegadaian Syariah and Bank Syariah Indonesia must be in accordance with the provisions of the DSN MUI Fatwa related to rahn. However, in practice, there are often problems because in the process of determining mu'nah it does not refer to the estimated amount of goods mortgaged (marhûn bih) but based on the estimated value of gold. This provision has a risk that harms consumers in financing contracts through pawns because there is a potential error in the assessment of the value of gold or because the accuracy of the assessment is low. This paper examines the mechanism and suitability of the determination of mu'nah at Pegadaian Syariah and Bank Syariah Indonesia in Bangkalan from the perspective of DSN-MUI fatwa.
The research method used is a qualitative method with descriptive-analytical analysis techniques. The source of data was obtained through observation and interviews with informants, namely employees of Pegadaian Syariah and BSI in Bangkalan as well as documentation of the source of documents related to the determination of mu'nah.
The results of the study show that the determination of mu'nah (maintenance costs) of pawns at Pegadaian Syariah and Bank Syariah Indonesia is determined based on the estimated value, not the amount of the loan. The determination of mu'nah is in accordance with the conditions and pillars of pawn, namely âqid, where râhin and murtahin have the legal skills to carry out pawn practice, then there is clarity and agreement from the râhin and murtahin, collateral can be sold and has a value equivalent to the amount of debt. The agreement/contract used does not contain an element of usury, as evidenced in gold pawn financing activities, does not apply an interest system in obtaining profits, but from the cost of maintaining pawn goods and does not contain an element of gharar, as evidenced in this gold pawn financing, the object of financing is clear both in terms of quantity, quality, and price of goods.
Keywords
Full Text:
PDFReferences
Az-Zuhaili, Wahbah. 2011. Fikih muamalah Wa Adillatuhu Jilid 6. terj. Abdul Hayyie al-Kattani. Jakarta: Gema Insani.
Benny Pasaribu. 2022. Metodologi Penelitian. Banten: Media Edu Pustaka.
Cut Naura, Tuddini. 2022. “Tinjauan Fiqih Muamalah Dan Fatwa Dsn-Mui Tentang Penetapan Biaya Pemeliharaan Barang Gadai.”
Dahniaty, A. (2021). Lembaga Keuangan Syariah Non Bank (Pegadaian Syariah Dan Lembaga Keuangan Mikro Syariah). UIN Fatmawati Sukarno.
Dede M.L., P. (2021). Implementasi Mu’nah (Biaya Pemeliharaan) Marhun Di Pegadaian Syariah Berdasarkan Fatwa Dewan Syariah Nasional Nomor: 25/Dsn-Mui/III/2002 Tentang Rahn (Studi Kasus Unit Pegadaian Syariah Kota Pinang Kabupaten Labuhanbatu Selatan). UIN Sumatera Utara.
Fiqih Prahara, A. F. (2024). Penerapan Mu’nah (Biaya Pemeliharaan) Marhūn Di Pegadaian Syariah Cabang Cipto Kota Cirebon Berdasarkan Fatwa Dewan Syariah Nasional Nomor: 25/DSN-MUI/III/2002. IAIN Syekh Nurjati.
Hardani. 2020. Metodologi Penelitian Kualitatif dan Kuantitatif. Yogyakarta: CV Pustaka Ilmu.
Hinaya, Inatul, Muslimin Kara, and Sirajuddin Sirajuddin. 2022. “Mu’nah Dalam Operasional Pegadaian Syariah.” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 5(4).
Indriasari, Ika. 2014. “Gadai Syariah Di Indonesia.” Bisnis : Jurnal Bisnis Dan Manajemen Islam 2(2).
Julian Lestari, Z. (2021). TINJAUAN HUKUM ISLAM TENTANG PENETAPAN MU’NAH RAHN TASJILY TANAH (Studi Pada Pegadaian Syariah Radin Intan Wayhalim Bandar Lampung). Universitas Islam Negeri Raden Intan Lampung.
Kelibia, M. U., & Si, M. (n.d.). Studi Komparasi Konsep Biaya Pemeliharaan Barang Jaminan Dan Konsep Bunga Dalam Prespektif Hukum Ekonomi Syariah (Pegadaian Syariah Dan Pegadaian Convensional Di Ambon). https://doi.org/https://doi.org/10.33477/eksy.v3i01.2391
Kholid, M., Muttaqin, I., & Nurhayati, U. (2021). Pengaruh Kepuasan Kerja Terhadap Kinerja Karyawan Di Pegadaian Cabang Pegadaian Syariah Bangkalan. Fenomena, 20(2), 209–218. https://doi.org/10.35719/fenomena.v20i2.60
Martina Pakpahan et.al. 2022. Metodologi Penelitian. Ttp: Yayasan Kita Menulis.
Mardani. 2013. Fikih Ekonomi Syariah. Jakarta: Kencana Prenamedia Group.
Mayditri, Vemmy. 2022. “Sosialisasi Akad Mu’nah Pada PT. Gadai Syariah Berbagi,” Tafani Jurnal Pengabdian Masyarakat, Vol. 1, No. 1.
Nasyatunnisa, Nurista Bela. 2023 “Pengaruh Produk,Promosi,dan Biaya Mu`nah Terhadap Minat Nasabah Dalam Menggunakan Produk Gadai Emas pada BSI KCP Pemalang 1”
Noor Uz’dmah, H. (2021). Tinjauan Fikih Muamalah Tentang Penetapan Mu’nah (Biaya Pemeliharaan Barang Gadai) Pada Produk Arrum BPKB Bagi UMKM di Pegadaian Syariah Kramat Raya Jakarta Pusat. Institut Ilmu Al-Quran (IIQ).
Nuroh Yuniwati, Emilia Dwi Lestari, & Anis Alfiqoh. (2021). Pegadaian Syariah : Penerapan Akad Rahn Pada Pegadaian Syariah. An-Nisbah: Jurnal Perbankan Syariah, 2(2), 189–199. https://doi.org/10.51339/nisbah.v2i2.253
Pratiwi, Nicki. 2019. “Strategi Bank Syariah Dalam Menghadapi Pengembangan Produk Gadai Emas (Studi Kasus Pada Bri Syariah).” Nisbah: Jurnal Perbankan Syariah 5(1).
Rahmadi. 2011. Pengantar Metodologi Penelitian. Banjarmasin: Antasari Press.
Retnosari, Tri. 2023. “Pengaruh Taksiran Harga,Biaya Pemeliharaan dan Kualitas Peilayanan Teirhadap Minat Masyarakat Mageitan Meimilih Produik Gadai Emas di BSI KCP Magetan MT Haryono1”. Institut Agama Islam Negeri Ponorogo.
Rifan Abdul Rosid, A. (2020). AHMAD RIFAN ABDUL ROSID - FSH [UIN Syarif Hidayatullah]. https://repository.uinjkt.ac.id/dspace/handle/123456789/55442
Rosid, Ahmad Rifan Abdul. 2020. “Penetapan Mu`nah Pada Pembiayaan Ran Emas di Pegadaian Syariah (Studi Kasus di Pegadaian Syariah Cabang Cinere).”
Syafei, Rachmat. 2001. Fikih Muamalah. Bandung : CV. Pustaka Seitia.
Safahni, J., Reviyanti, I., Pransiska, L., Iskandar, D., Studi Manajemen, P., Ekonomi Dan Bisnis, F., & Muhammadiyah Riau, U. (2023). Perbandingan Akad Gadai Antara Konvensional Dan Syariah (Rahn) Di Ups Sidomulyo Dan Upc Garuda Sakti Kota Pekanbaru. Jurnal Ilmiah Mahasiswa Merdeka EMBA, 2(1).
Samiaji Sarosa. 2011. Analisis Data Penelitian Kualitatif. Yogyakarta: PT Kanisius.
Sasli Rais. 2005. Pegadaian Syariah Konsep Dan Sistem Operasional Suatu Kajian Kontemporer. Jakarta : UI-Press.
Syafrida Hafni. 2022. Metodologi Penelitian. Yogyakarta: Penerbit KBM Indonesia.
Suhardi, S. (2021). Pelaksanaan Lelang Benda Jaminan Gadai Di Pegadaian Syariah Unit Sultan Adam. UIN Antasari.
Surya, Hariman. 2019. Fikih Muamalah Teori dan Implementasi. Bandung: PT Remaja Rosdakarya.
Yogi, Gilar Avi, and Gusril Basir. 2023. “Analisis Strategi Pemasaran Produk Cicil Emas Dalam Meningkatkan Jumlah Nasabah Pada Bank Syariah Indonesia LCP Pulau Punjung Kabupaten Dharmasraya.” Jurnal Ekonomi Utama 2(2).
Zulfahmi. 2022. “Batasan Riba, Gharar, Dan Maisir (Isu Kontemporer Dalam Hukum Bisnis Syariah)”. Jurnal Hukum Islam Dan Ekonomi, Vol. 11, No. 2.
DOI: https://doi.org/10.21107/ete.v9i1.26338
Refbacks
- There are currently no refbacks.
Copyright (c) 2024 Khoiril Anam, Ahmad Musadad, Agustina Kumala
![Creative Commons License](http://licensebuttons.net/l/by-sa/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
![](https://journal.unesa.ac.id/public/site/images/adminjie/google.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/crossref.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/moraref.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/base1.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/garuda.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/one_search.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/isjd.jpg)
![](https://journal.unesa.ac.id/public/site/images/adminjie/dimen4.png)
![](https://journal.unesa.ac.id/public/site/images/adminjie/academia.jpg)
Et-Tijarie: Jurnal Hukum dan Bisnis Syariah by Universitas Trunojoyo Madura is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.