TINJAUAN FIQH MUAMALAH TERHADAP PRAKTIK AKAD RAHN DALAM PERBANKAN SYARIAH
Keywords:
Rahn, Fiqh Muamalah, Islamic Banking, DSN-MUI Fatwa, Sharia Compliance.Abstract
This study aims to examine the implementation of rahn contracts in Islamic banking by reviewing their compliance with the principles of fiqh muamalah and the provisions of DSN-MUI Fatwa No. 25/2002 and No. 26/2002. The method used is descriptive qualitative research by collecting primary data through interviews and secondary data in the form of banking documents, fatwas, and academic literature. The findings show that the implementation of rahn generally meets the requirements and conditions as stipulated in fiqh muamalah and is in line with the DSN-MUI fatwa, especially in terms of the application procedure, the collateral appraisal process, and the redemption mechanism. However, there are still a number of obstacles, such as the determination of ujrah that does not fully reflect the real storage costs, inconsistencies in SOPs between branches, and a lack of understanding of sharia among employees and customers. On the other hand, rahn makes an important contribution to increasing financial inclusion and access to capital for small businesses without involving usury. Therefore, this study recommends increasing cost transparency, strengthening sharia education, standardizing procedures, improving sharia supervision, and innovating technology-based services to optimize the quality and sharia compliance of rahn practices in the future.
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