TINJAUAN HUKUM ISLAM TERHADAP PERJANJIAN GADAI EMAS DI KB BUKOPIN SYARIAH CABANG MAKASSAR
Abstract
Abstrak
Perjanjian gadai di bank syariah harus mengikuti prinsip-prinsip syariah seperti tidak mengandung unsur riba dan gharar, serta harus memenuhi syarat-syarat sahnya perjanjian menurut hukum Islam. Jenis penelitian ini bersifat deskriptif kualitatif dengan pendekatan penelitian yang dogunakan adalam pendekatan empiris. Adapun sumber data penelitian ini adalah data primer yang diperoleh dari KB Bukopin Syariah dan wawancara serta data sekunder dari riset kepustakaan. Selanjutnya metode pengumpulan data dilakukan dengan observasi, wawwancara dan dokumentasi untuk selanjutnya di analisis dengan cara mereduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa dalam praktek iB SiaGa Emas Gadai, akad yang digunakan dalam produk iB SiaGa Emas Gadai sesuai dengan fatwa MUI DSN, namun adapun ulama yang berpendapat bahwa tidak sesuai dengan prinsip Islam dengan dasar yang kuat pada masing-masing para pakar. Berdasarkan hasil analisis, peneliti menyimpulkan bahwa produk gadai emas KB Bukopin Syariah tidak menggunakan akad rahn melainkan akad qardh. Akad qardh yang digunakan KB Bukopin Syariah menyerupai akad rahn secara teoritis.
Kata Kunci: Hukum Islam, Bank Syariah, Rahn
Abstract
Pawn agreements in Islamic bank must follow sharia principles such as not containing elementsof usury and gharar, and must fulfill the legal requirements of an agreement according to Islamic Law. This type of research is descriptive qualilatitve with the research approach used is an empirical approach. The data souces of this research are primary data obtained from KB Bukopin Syariah and interviews and secondary data from literature research. Furthermore, data collection methods are carried out using observation, interviews and documentation to be further analyzed by reducing data, presenting data and drawing conclusions. The result of this study indicate that in the practice of Gold Pawn iB SiaGa, the contract used in the Gold Pawn iB SiaGa is in accordance with the DSN MUI Fatwa, but there are scholars who argue that it is not in accordance with sharia principles with a strong basis from each expert. Based on the results of the analysis, the researcher concluded that the KB Bukopin Syariah gold pawn product does not use a rahn contract but a qardh contract. The qardh contract used by KB Bukopin Syariah resembles the rahn contract theoretically. However, the feasibility of using a qardh contract by KB Bukopin Syariah can be said to be in accordance with sharia principles.
Keywords: Islamic Law, Islamic Bank, Rahn
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