Implementation of the Application of Multi Akad Murabahah and Rahn in the Mulia Metal Products in the Sharia Pawnshops City of Singkawang Islamic Law Perspective

Zarul Arifin, Hatoli Hatoli

Abstract


The juridical operation of any sharia-based financial institution must refer to the DSN-MUI fatwa, including the multi-contract issue or better known as a hybrid contract, where has mandated by Law No. 21 of 2008 concerning Islamic Banking Article 26 paragraph (2). Two multi-contracts are permitted by the DSN-MUI in the fatwa, namely Fatwa No. 71 of 2008 concerning Sale and Lease Back and Fatwa No. 72 Years. 2008 on Ijarah Sale and Back. However, PT. Pegadaian (Persero) Alianyang Singkawang Sharia Service Unit has carried out multiple contracts (murabahah and Rahn) since the last 6 (six) years on Murabahah Logam Mulia Abadi Investment (MULIA) products for non-cash Financing of gold. There is no fatwa from DSN- MUI, so that raises doubts about the guarantee of the quality of the product. So it is essential to study how the MULIA product contract system uses the murabahah and Rahn contracts from the perspective of sharia economic law. This research is descriptive qualitative research that deepens by conducting direct interviews with the parties involved in implementing multi-murabahah and Rahn contracts. This research completed in 2019. The sources of data in this study are the leadership and staff at the Singkawang sharia pawnshop, then customers who use multi-contract product services at the Singkawang sharia pawnshop. The results of the study concluded that the application of multi-murabahah and Rahn contracts on precious metal products at PT. Pegadaian (Persero) Alianyang Singkawang Sharia Service Unit, as stipulated in Law No. 21 of 2008 concerning sharia banking, has been implemented on this product. Therefore, in the view of sharia economic law, it is permissible and justified because the system refers to the DSN-MUI fatwa No. 92 of 2014 concerning Financing that accompanied by Rahn and becomes the basis for the use of multiple contracts.


Keywords


Multi Akad; Islamic Economics; DSN-MUI.

Full Text:

PDF

References


Akmal, H, & Sirajulhuda, M. H. (2019). Tinjauan Fiqh Muamalah Terhadap Transaksi Multi Akad dalam Fatwa DSN-MUI Tentang Pembiayaan Likuiditas Jangka Pendek Syariah. Al-Istinbath: Jurnal Hukum Islam, 4(2), 195-212.

Akmal, H, & Sirajulhuda, M. H. (2019). Tinjauan Fiqh Muamalah Terhadap Transaksi Multi Akad dalam Fatwa DSN-MUI Tentang Pembiayaan Likuiditas Jangka Pendek Syariah. Al-Istinbath: Jurnal Hukum Islam, 4(2), 195-212.

Alfin, A. (2018). Multi Akad dalam Perspektif Fiqih dan Implementasinya di Perbankan Syariah. Jurnal Al-Hurriyah, 17(1), 25-47.

Anshori, A. G. (2009). Perbankan Syariah di Indonesia. Gadjah Mada University Press.

Hadi, I. A. (2011.). Kedudukan dan Wewenang Lembaga Fatwa (DSN MUI) pada Bank Syariah. Economic: Jurnal Ekonomi dan Hukum Islam, 1(2),1-13.

Harahap, R. S. P. (2016). Hukum Multi Aqad Dalam Transaksi Syariah. Journal Al-Qasd Economic Alternative, 1(1).

Harun, H. (2018). Multi Akad dalam tataran fiqh. Suhuf, 30(2),178-193.

Hasan, F. N. (2018). Hybrid Contract: Konstruksi Akad dalam Produk Perbankan Syariah. WADIAH, 1(2).

Hasanudin. (2009). Multi Akad dalam Transaksi Syariah Kontemporer pada Lembaga Keuangan Syariah di Indonesia. UIN Syahid Press.

Hatoli. (2017). Aplikasi Dalil Maslahah Terhadap Problematika Hukum Ekonomi Syariah Kontemporer Di Indonesia (Kajian Fatwa-Fatwa DSN-MUI Periode 2008-2016). UIN Syarif Hidayatullah.

Ihtiar, H. W. (2016). Analisis Fatwa Dewan Syariah Nasional Nomor: 92/DSN-MUI/IV/2014 Tentang Pembiayaan yang Disertai Rahn. IAIN Tulungagung Research Collection, 3(1), 23-38.

Kasmir. (2012). Dasar-dasar Perbankan. Rajawali Press.

Kholijah, S. (2020). Akad Murakkab dalam Produk Keuangan Syariah. Jurnal Baabu Al-Ilm, 5(1), 104-166.

Maksum, M. (2013). Fatwa Ekonomi Syariah di Indonesia, Malaysia dan Timur Tengah. Badan Litbang dan Diklat Kementerian Agama RI.

Mardani. (2012). Fiqh Ekonomi Syariah: Fiqh Muamalah. Kencana.

Mardani. (2017). Aspek Hukum Lembaga Keuangan Syariah di Indonesia. Kencana.

Maulana, H. (2011). Multiakad Dalam Transaksi Syariah Kontemporer pada Lembaga Keuangan Syariah di Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Islam, 3(1).

Munawwir, A. W. (1997). Kamus Al-Munawwir Arab-Indonesia. Pustaka Progresif.

Mursal, M., & Bustami, Y. (2017). Helah dan Hybrid Contracts (al-’Ukud al-Murakkabah) pada Produk Keuangan Syari'ah PersPerspektif Fiqh Muamalah. Islamika: Jurnal Ilmu-Ilmu Keislaman, 17(2), 41-55.

Musawar, M. (2016). Pandangan Tuan Guru Lombok terhadap multi akad dalam mu’amalah maliyah kontemporer. Ijtihad: Jurnal Wacana Hukum Islam Dan Kemanusiaan, 16(1), 131-155.

Rusfi, M. (2016). Antaradhin Dalam Perspektif Perdagangan Kontemporer Dan Implikasinya Terhadap Pemindahan Hak Kepemilikan. Deepublish.

Sahal, L. (2015). Implementasi "al-’Uqud al-Murakkabah" atau “Hybrid Contracts” (Multi Akad) Gadai Emas pada Bank Syariah Mandiri dan Pegadaian Syariah, At-taradhi Jurnal Studi Ekonomi, 6(2).

Sahroni, O., & Hasanuddin, M. (2016). Fikih Muamalah Dinamika Teori Akad dan Implementasinya dalam Ekonomi Syariah. Rajawali Press.

Srisusilawati, P., & Adam, P. (2017). Kedudukan Multi akad dalam pembiayaan Murahabahah di perbankan Syariah. Iqra, 1(1).

Suharso & Retnoningsih, A. (2011). Kamus Besar Bahasa Indonesia (KBBI). CV Widya Karya.

Suryani. (2014). Industri Perbankan Syariah dalam Ceriman Aspek Sharia Governance. Economica: Jurnal Ekonomi Islam, 5(1), 93-134.

Umar, H. (2009). Metode Penelitian Untuk Skripsi Dan Tesis Bisnis. Rajawali Press.

Utama, A. S. (2018). Sejarah Perkembangan Regulasi Mengenai Perbankan Syariah dalam Sistem Hukum Nasional di Indonesia. Jurnal Wawasan Yuridika, 2(2), 187-200.

Yunus, M. (2019). Hybrid Contract (Multi Akad) dan Implementasinya di Perbankan Syariah. Tahkim, 2(1).

Yuliana, Z. S. (2020). Hybrid Contract in Islamic Financial and Economic Products. Finest: Jurnal Riset Dan Pengembangan Ekonomi Islam, 4(2).

Yuliyani. (2015). Konsep dan Peran Strategis Ekonomi Syariah Terhadap Isu Kemiskinan”. IQTISHADIA, 8(1).

Zuhailiy, W. (2006). Al- Fiqh al Islami waadillatuhu. Gema Insani.




DOI: http://dx.doi.org/10.30984/jis.v19i1.1190

Article Metrics

Abstract view : 1126 times
PDF - 388 times

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Copyright (c) 2021 Jurnal Ilmiah Al-Syir'ah

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Rumah Jurnal IAIN Manado

Jl. Dr. S.H. Sarundajang, Kawasan Ringroad I, Malendeng Manado Kode Pos 95128, Sulawesi Utara, Indonesia.

 

 

Creative Commons License
All publication by Jurnal Ilmiah Al-Syir'ah are licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Jurnal Ilmiah Al-Syir’ah, ISSN 1693-4202 (Print), ISSN 2528-0368 (Online)