HUKUM PENETAPAN BIAYA PENYIMPANAN EMAS DALAM AKAD RAHN PERSPEKTIF FATWA DSN-MUI NOMOR. 25/III/2002
DOI:
https://doi.org/10.24269/ls.v8i1.8348Abstract
Bank Syariah Indonesia (BSl) is a Sharia financial institution that helps the community in carrying out economic activities according to Islamic law. One of them is the implementation of gold pawning. Pawning (Rahn) in the Islamic view is property that is used as collateral for debts/loans that have been received. It is suspected that the implementation of sharia gold pawning at BSL is inconsistent with the provisions of DSN-MUI Fatwa Number. 25/DSN-MUI/III/2002 concerning Rahn. This research aims to find out how the gold storage costs are determined at Bank Syariah Indonesia KC S. Parman, as well as what the Fatwa law is regarding the implementation of gold pawning at BSI KCP S Parman. This research uses qualitative research methods sourced from research information obtained while conducting research at Bank Syariah KC S. Parman, and is supported by data that can be strengthened with literature as support. The results of the research show that, Sharia Gold Pawning at BSI KCP S Parman determines fees (ujrah) based on the loan size. The greater the cost of borrowing, the greater the storage costs. The implementation of determining marhun storage fees (ujrah) at BSI does not fully refer to the DSN-MUI Fatwa NUMBER 25/III/2002.
References
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Gata, W., & Gilang, H. O. (2017). Analysis of information system quality of service on BSI Academy’s environment using webqual methods, importance performance analysis and fishbone. Journal of Theoretical and Applied Information Technology, 95(2), 229–241.
Ismail, A. H. (2019). Pernikahan dan Syarat Sah Talak. Intiqad: Jurnal Agama Dan Pendidikan Islam, 11(1), 1–22. https://doi.org/10.30596/intiqad.v11i1.3131
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Kholid, M. (2018). Praktik Akad Pembiayaan Gadai Emas Perspektif Hukum Islam. Al-Insyiroh: Jurnal Studi Keislaman, 2(1), 128–137. https://doi.org/10.35309/alinsyiroh.v2i1.3336
Lalanne, F., Malinge, P., Hérault, D., & Jamin-Mornet, C. (2017). A native HDR 115dB 3.2µm BSI pixel using electron and hole collection. International Image Sensor Society, 278–281. https://www.semanticscholar.org/paper/A-native-HDR-115-dB-3-.-2-μ-m-BSI-pixel-using-and-.-Lalanne-Malinge/f407c8f1d8903b2f0c6fd21746dd74e8fbd15400
Lamtana, & Mayditri, V. (2022). Penerapan Prinsip Syariah pada Akad Rahn di Lembaga Pegadaian Syariah ( Studi Gadai Syariah Berbagi Berkah Samarinda ). Jurnal Pendidikan Dan Kewirausahaan, 10(2), 422–440. https://doi.org/10.47668/pkwu.v10i2.397
Mujibno, M., & Saleh, M. S. S. (2020). Konsep Corporeta Social Responsibility Pegadaian Syariah Dalam Membantu Kemaslahatan Umat Islam. Dirosat: Journal of Islamic Studies, 5(2), 237–248. https://doi.org/10.28944/dirosat.v5i2.947
Muntamah, A. L., Latifiani, D., & Arifin, R. (2019). Pernikahan Dini Di Indonesia: Faktor Dan Peran Pemerintah (Perspektif Penegakan Dan Perlindungan Hukum Bagi Anak). Widya Yuridika, 2(1), 1. https://doi.org/10.31328/wy.v2i1.823
Nakajima, K., Kaneko, G., Takahashi, S., Matsuyama, H., Shiina, H., Ichikawa, T., Horikoshi, H., Hashine, K., Sugiyama, Y., Miyao, T., Kamiyama, M., Harada, K., Ito, A., & Mizokami, A. (2018). Role of bone scan index in the prognosis and effects of therapy on prostate cancer with bone metastasis: Study design and rationale for the multicenter Prostatic Cancer Registry of Standard Hormonal and Chemotherapy Using Bone Scan Index (PROSTAT-BSI) study. International Journal of Urology, 25(5), 492–499. https://doi.org/10.1111/iju.13556
Nuraeni, R., Mulyati, S., Putri, T. E., Rangkuti, Z. R., Pratomo, D., Ak, M., Ab, S., Soly, N., Wijaya, N., Operasi, S., Ukuran, D. A. N., Terhadap, P., Sihaloho, S., Pratomo, D., Nurhandono, F., Amrie, F., Fauzia, E., Sukarmanto, E., Partha, I. G. A., … Abyan, M. A. (2017). Persepsi Masyarakat Terhadap Rencana Pemerintah Membuka Area Pertambangan Emas di Desa Sumi Kecamatan Lambu Kabupaten Bima. Diponegoro Journal of Accounting, 2(1), 2–6.
Purbasari, I., & Rahayu, S. (2017). Analisis Penerapan Akad Rahn (Gadai) dan Pengenaan Biaya Administrasi Rahn di Pegadaian Syariah (Studi Empiris di Kantor Cabang Pegadaian Syariah Pamekasan). Jurnal Hukum Ekonomi Islam, 1(1), 144–170. https://jhei.appheisi.or.id/index.php/jhei/article/view/1
Putra, I. S., Ferdinandus, F., & Bayu, M. (2019). Sistem Pendukung Keputusan Pemilihan Paket Pernikahan Dengan Metode Saw Berbasis Web. CAHAYAtech, 8(2), 136. https://doi.org/10.47047/ct.v8i2.50
Rohmadiyah, B., & Alamsyah, L. (2022). Akad Murabahah And Rahn In Financing Program Of Product Gold Model License In The Bank Sharia Of Indonesia (Analysis of the Fatwa National Sharia Council of the Indonesian Ulama Council No. 77/DSN- MUI/V/2010). Dirosatuna : Journal of Islamic Studies, 5(1), 1–13.
Saleh, M. (2022). Wanprestasi Dalam Perspektif Hukum Ekonomi Islam (Studi Kasus Gadai Emas Di Pegadaian Syariah Kota Lubuklinggau). Iqtishaduna, 5(1), 192–202.
Saputra, B., Anis, M., & Islam. (2021). Tinjauan Hukum Islam Terhadap Akad Rahn Pada Pegadaian Syariah. El-Iqtishady : Jurnal Hukum Ekonomi Syariah, 3(2), 224–230.
Setyaningrum, R., & Khotijah, S. A. (2020). Analisis Penerapan Sistem Informasi Aplikasi Pegadaian Syariah Digital Dalam Memudahkan Nasabah Bertransaksi Menurut Syariah Islam. Gorontalo Accounting Journal, 3(2), 105. https://doi.org/10.32662/gaj.v3i2.1027
Stoppa, D., Abovyan, S., Furrer, D., Gancarz, R., Jessenig, T., Kappel, R., Lueger, M., Mautner, C., Mills, I., Perenzoni, D., Roehrer, G., & Taloud, P. (2021). A Reconfigurable QVGA/Q3VGA Direct Time-of-Flight 3D Imaging System with On-chip Depth-map Computation in 45/40nm 3D-stacked BSI SPAD CMOS. Time-of-Flight Session Chair: Boyd Fowler (OmniVision), R015, 1–4.
Subhan ZA, M. A., & Khoir, M. (2021). Efektifitas Prosedur Pembiayaan Akad Rahn di KSPPS Karomah Balongpanggang di Era Pandemi (Covid 19). Jurnal Ekonomi Syariah, 4(1), 1–14. https://doi.org/10.52166/adilla.v4i1.2320
Utami, E. R., Febriadi, S. R., & Misfah Bayuni, E. (2021). Analisis Fatwa Dewan Syariah Nasional Nomor 26/DSN-MUI/III/2002 terhadap Implementasi Akad Rahn pada Pembiayaan Gadai Emas di Bank BJB Syariah KCP Sukabumi. Prosiding Hukum Ekonomi Syariah, 7(2), 355–359. http://dx.doi.org/10.29313/syariah.v0i0.27984
Zaimuddin, U., & Faiqoh, A. (2021). Pengaruh Keragaman Produk Terhadap Pengambilan Keputusan Nasabah dalam Menggunakan Jasa Pegadaian Syariah Ditinjau Dari Etika Bisnis Islam (Studi Pada Pegadaian Syariah Cabang Raden Intan Bandarlampung. Dinar Islamic Review, 5(2), 49–57. https://publikasi.stebitanggamus.ac.id/index.php/Dinar/article/view/36
Amri, M. A., Purba, M. R., & Siregar, M. Z. (2023). Penerapan Sistem Gadai Emas Pada Pt. Pegadaian (Persero) Pegadaian Syariah Cabang Ar. Hakim Medan. Mudharib: Jurnal Perbankan Syariah, 1(1), 41–52. https://ejurnalstebis.ac.id/index.php/Mudharib/article/view/14
Arifin, Z., & Rahim, A. (2022). Peran Koperasi Syariah Nuri Batumarmar Dalam Membantu Pembiayaan Anggota Melalui Akad Rahn. Jurnal Ngejha, 2(1), 203–208. https://doi.org/10.32806/ngejha.v2i1.200
Arikhman, N., Meva Efendi, T., & Eka Putri, G. (2019). Faktor yang Mempengaruhi Pernikahan Usia Dini di Desa Baru Kabupaten Kerinci. Jurnal Endurance, 4(3), 470. https://doi.org/10.22216/jen.v4i3.4614
Bogdan, B. &. (2020). Penelitian Kualitatif. In Journal Equilibrium (Vol. 5, pp. 1–8).
Callenberg, C., Heide, F., Wetzstein, G., & Hullin, M. B. (2017). Snapshot Difference Imaging Using Correlation Time-of-Flight Sensors. ACM Trans. Graph., 36(6). https://doi.org/10.1145/3130800.3130885
Foluaha, B. (2019). Sketsa Pernikahan Dalam Perjanjian Lama Dan Relevansinya Terhadap Pendidikan Agama Kristen. Jurnal Pendidikan Agama Kristen Regula Fidei, 4(2), 91–110. https://doi.org/10.46307/rfidei.v4i2.34
Gama, M., & Maloko, M. T. (2023). Praktik Gadai Emas Di Pegadaian Syariah UPS Pasar Sentral Pinrang Dalam Tinjauan Hukum Ekonomi Islam. Iqtishaduna: Jurnal Ilmiah Mahasiswa Jurusan Hukum Ekonomi Syariah, 4(2), 2714–6917. https://doi.org/10.24252/iqtishaduna.v4i2.28856
Gata, W., & Gilang, H. O. (2017). Analysis of information system quality of service on BSI Academy’s environment using webqual methods, importance performance analysis and fishbone. Journal of Theoretical and Applied Information Technology, 95(2), 229–241.
Ismail, A. H. (2019). Pernikahan dan Syarat Sah Talak. Intiqad: Jurnal Agama Dan Pendidikan Islam, 11(1), 1–22. https://doi.org/10.30596/intiqad.v11i1.3131
Istiqomah, L. (2020). Analisis Aplikasi Multi Akad Produk Gadai Emas Pada Perbankan dan Pegadaian Syari’ah dalam Perspektif Hukum Islam. An-Nisbah Jurnal Perbankan Syariah, 1(2), 148–162.
Khaerani, S. N. (2019). Faktor Ekonomi Dalam Pernikahan Dini Pada Masyarakat Sasak Lombok. Qawwam, 13(1), 1–13. https://doi.org/10.20414/qawwam.v13i1.1619
Kholid, M. (2018). Praktik Akad Pembiayaan Gadai Emas Perspektif Hukum Islam. Al-Insyiroh: Jurnal Studi Keislaman, 2(1), 128–137. https://doi.org/10.35309/alinsyiroh.v2i1.3336
Lalanne, F., Malinge, P., Hérault, D., & Jamin-Mornet, C. (2017). A native HDR 115dB 3.2µm BSI pixel using electron and hole collection. International Image Sensor Society, 278–281. https://www.semanticscholar.org/paper/A-native-HDR-115-dB-3-.-2-μ-m-BSI-pixel-using-and-.-Lalanne-Malinge/f407c8f1d8903b2f0c6fd21746dd74e8fbd15400
Lamtana, & Mayditri, V. (2022). Penerapan Prinsip Syariah pada Akad Rahn di Lembaga Pegadaian Syariah ( Studi Gadai Syariah Berbagi Berkah Samarinda ). Jurnal Pendidikan Dan Kewirausahaan, 10(2), 422–440. https://doi.org/10.47668/pkwu.v10i2.397
Mujibno, M., & Saleh, M. S. S. (2020). Konsep Corporeta Social Responsibility Pegadaian Syariah Dalam Membantu Kemaslahatan Umat Islam. Dirosat: Journal of Islamic Studies, 5(2), 237–248. https://doi.org/10.28944/dirosat.v5i2.947
Muntamah, A. L., Latifiani, D., & Arifin, R. (2019). Pernikahan Dini Di Indonesia: Faktor Dan Peran Pemerintah (Perspektif Penegakan Dan Perlindungan Hukum Bagi Anak). Widya Yuridika, 2(1), 1. https://doi.org/10.31328/wy.v2i1.823
Nakajima, K., Kaneko, G., Takahashi, S., Matsuyama, H., Shiina, H., Ichikawa, T., Horikoshi, H., Hashine, K., Sugiyama, Y., Miyao, T., Kamiyama, M., Harada, K., Ito, A., & Mizokami, A. (2018). Role of bone scan index in the prognosis and effects of therapy on prostate cancer with bone metastasis: Study design and rationale for the multicenter Prostatic Cancer Registry of Standard Hormonal and Chemotherapy Using Bone Scan Index (PROSTAT-BSI) study. International Journal of Urology, 25(5), 492–499. https://doi.org/10.1111/iju.13556
Nuraeni, R., Mulyati, S., Putri, T. E., Rangkuti, Z. R., Pratomo, D., Ak, M., Ab, S., Soly, N., Wijaya, N., Operasi, S., Ukuran, D. A. N., Terhadap, P., Sihaloho, S., Pratomo, D., Nurhandono, F., Amrie, F., Fauzia, E., Sukarmanto, E., Partha, I. G. A., … Abyan, M. A. (2017). Persepsi Masyarakat Terhadap Rencana Pemerintah Membuka Area Pertambangan Emas di Desa Sumi Kecamatan Lambu Kabupaten Bima. Diponegoro Journal of Accounting, 2(1), 2–6.
Purbasari, I., & Rahayu, S. (2017). Analisis Penerapan Akad Rahn (Gadai) dan Pengenaan Biaya Administrasi Rahn di Pegadaian Syariah (Studi Empiris di Kantor Cabang Pegadaian Syariah Pamekasan). Jurnal Hukum Ekonomi Islam, 1(1), 144–170. https://jhei.appheisi.or.id/index.php/jhei/article/view/1
Putra, I. S., Ferdinandus, F., & Bayu, M. (2019). Sistem Pendukung Keputusan Pemilihan Paket Pernikahan Dengan Metode Saw Berbasis Web. CAHAYAtech, 8(2), 136. https://doi.org/10.47047/ct.v8i2.50
Rohmadiyah, B., & Alamsyah, L. (2022). Akad Murabahah And Rahn In Financing Program Of Product Gold Model License In The Bank Sharia Of Indonesia (Analysis of the Fatwa National Sharia Council of the Indonesian Ulama Council No. 77/DSN- MUI/V/2010). Dirosatuna : Journal of Islamic Studies, 5(1), 1–13.
Saleh, M. (2022). Wanprestasi Dalam Perspektif Hukum Ekonomi Islam (Studi Kasus Gadai Emas Di Pegadaian Syariah Kota Lubuklinggau). Iqtishaduna, 5(1), 192–202.
Saputra, B., Anis, M., & Islam. (2021). Tinjauan Hukum Islam Terhadap Akad Rahn Pada Pegadaian Syariah. El-Iqtishady : Jurnal Hukum Ekonomi Syariah, 3(2), 224–230.
Setyaningrum, R., & Khotijah, S. A. (2020). Analisis Penerapan Sistem Informasi Aplikasi Pegadaian Syariah Digital Dalam Memudahkan Nasabah Bertransaksi Menurut Syariah Islam. Gorontalo Accounting Journal, 3(2), 105. https://doi.org/10.32662/gaj.v3i2.1027
Stoppa, D., Abovyan, S., Furrer, D., Gancarz, R., Jessenig, T., Kappel, R., Lueger, M., Mautner, C., Mills, I., Perenzoni, D., Roehrer, G., & Taloud, P. (2021). A Reconfigurable QVGA/Q3VGA Direct Time-of-Flight 3D Imaging System with On-chip Depth-map Computation in 45/40nm 3D-stacked BSI SPAD CMOS. Time-of-Flight Session Chair: Boyd Fowler (OmniVision), R015, 1–4.
Subhan ZA, M. A., & Khoir, M. (2021). Efektifitas Prosedur Pembiayaan Akad Rahn di KSPPS Karomah Balongpanggang di Era Pandemi (Covid 19). Jurnal Ekonomi Syariah, 4(1), 1–14. https://doi.org/10.52166/adilla.v4i1.2320
Utami, E. R., Febriadi, S. R., & Misfah Bayuni, E. (2021). Analisis Fatwa Dewan Syariah Nasional Nomor 26/DSN-MUI/III/2002 terhadap Implementasi Akad Rahn pada Pembiayaan Gadai Emas di Bank BJB Syariah KCP Sukabumi. Prosiding Hukum Ekonomi Syariah, 7(2), 355–359. http://dx.doi.org/10.29313/syariah.v0i0.27984
Zaimuddin, U., & Faiqoh, A. (2021). Pengaruh Keragaman Produk Terhadap Pengambilan Keputusan Nasabah dalam Menggunakan Jasa Pegadaian Syariah Ditinjau Dari Etika Bisnis Islam (Studi Pada Pegadaian Syariah Cabang Raden Intan Bandarlampung. Dinar Islamic Review, 5(2), 49–57. https://publikasi.stebitanggamus.ac.id/index.php/Dinar/article/view/36
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2024-01-01
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Nisma, A., & Hasanah, U. (2024). HUKUM PENETAPAN BIAYA PENYIMPANAN EMAS DALAM AKAD RAHN PERSPEKTIF FATWA DSN-MUI NOMOR. 25/III/2002. Legal Standing : Jurnal Ilmu Hukum, 8(1), 122–135. https://doi.org/10.24269/ls.v8i1.8348
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