Analisis Penerapan Pembiayaan Gadai Emas Syariah (GES) dalam Perspektif Fiqh Muamalah di BMT NU Cabang Jambesari.
Keywords:
Keywords: Sharia Gold Pawn, Qardh, Rahn, Ijarah, Fiqh Muamalah.Abstract
This study aims to determine the implementation of the principles of qardh, rahn, and ijarah in the Sharia Gold Pawn (Gadai Emas Syariah/GES) product at BMT NU Jambesari Branch. This research uses a qualitative approach with a phenomenological type of research. Data collection techniques were carried out through in-depth interviews and documentation with employees of BMT NU Jambesari Branch. The results of the study indicate that the qardh principle is used as a contract that binds the loan provided by the BMT to customers. The rahn principle is applied as a contract to bind collateral in the form of gold submitted by customers to the BMT. Meanwhile, the ijarah principle is used as a contract for renting storage facilities and ensuring the security of the collateral. However, in practice, the determination of fees or ujrah in the sharia gold pawn product at BMT NU Jambesari Branch is still found to be inconsistent with sharia provisions governing ujrah as well as regulations related to qardh with gold collateral.
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