PENERAPAN AKAD IJARAH DI PEGADAIAN SYARIAH PADA PRODUK RAHN DALAM PERSPEKTIF EKONOMI MIKRO SYARIAH
DOI:
https://doi.org/10.35446/bisniskompetif.v5i2.3031Keywords:
Sharia Microeconomics, Ijarah Contract, Rahn, Sharia-compliant Pawnbroking, DSN-MUI FatwaAbstract
This study aims to analyze the application of the “ijarah” (lease) contract to “rahn” (collateral-backed loan) products at Pegadaian Syariah (Sharia-compliant pawnshops) from the perspective of Sharia microeconomics. DSN-MUI Fatwa Number 25/DSN-MUI/III/2002 stipulates that “ijarah” fees must not be determined based on the loan amount but rather as compensation for the maintenance and safekeeping of the pledged collateral. The study employs a qualitative method with a descriptive approach based on library research, utilizing secondary data from books, scholarly journals, DSN-MUI fatwas, and other relevant literature. The findings indicate that the application of “rahn” and “ijarah” contracts at Pegadaian Syariah reflects Sharia microeconomic principles: justice (al-'adl), public interest (maslahah), balance (tawazun), transparency, and mutual assistance (ta'awun). From a Sharia microeconomic perspective, the “ijarah” contract benefits the public by providing access to financing that is fast, convenient, and free from “riba” (usury), while Pegadaian Syariah generates revenue from asset safekeeping services rather than from interest on the loan itself. Thus, the application of the “ijarah” contract to “rahn” products represents the implementation of a transaction mechanism that aligns with Sharia principles and supports the creation of an economic system that is just and oriented toward public welfare
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