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All Journal Dialog Legal: Jurnal Syariah, Jurisprudensi dan Tata Negara Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Ahmad Khoirudin
Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Law, Crime, Criminology & Criminal Justice

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Application of Mu'nah Rahn Tasjily in Land Collateral: Integration of DSN-MUI Fatwa and Sharia Economic Principles Wasman Wasman; Sekar Elena; Ahmad Khoirudin; Abdul Fatakh; Fajar Setiawan
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.18549

Abstract

This study investigates the application of mu’nah rahn tasjily in land collateral financing at Pegadaian Syariah KC. Cipto Mangunkusumo Cirebon, integrating the DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and the Compilation of Sharia Economic Law (KHES). Employing a qualitative approach with a normative-empirical methodology, the research combines literature reviews and field investigations. Primary data were collected through interviews with employees and managers, while secondary data included books, journals, and relevant documents. Data collection methods involved observation, structured interviews, and documentation, focusing on the implementation of mu’nah in land certificate financing for the year 2023. The findings reveal two types of rahn tasjily contracts, with one involving the determination of mu’nah based on the loan amount. In these contracts, the collateral submitted serves only as proof of ownership, while the pledger retains control over the physical collateral. However, an analysis of the DSN-MUI Fatwa indicates a deviation in practice at Pegadaian Syariah KC. Cipto Mangunkusumo, as mu’nah is calculated proportionally to the loan amount rather than independently. Furthermore, the KHES emphasizes time-based calculations for ijarah, suggesting the necessity of structured time limitations to prevent disputes and ensure compliance with Sharia principles. This study underscores the need for a more consistent application of Sharia guidelines in determining mu’nah to enhance transparency and fairness in Islamic financial practices.Keywords: Mu’nah Rahn Tasjily, Land Collateral, DSN-MUI Fatwa, Sharia Economic Law, Islamic Pawnshop Practices.
Implementasi Akad Tijarah dan Akad Tabarru’ Pada Asuransi Syariah M. Akbar Nafa; Jefik Zulfikar Hafizd; Asep Saepullah; Abdul Fatakh; Ahmad Khoirudin
Dialog Legal: Jurnal Syariah, Jurisprudensi dan Tata Negara Vol. 2 No. 2 (2026): Mei
Publisher : Sekolah Tinggi Ilmu Syariah Wal Aqidah Ash-Shofa Manonjaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64367/dialoglegal.v2i2.115

Abstract

This study aims to analyze the implementation of tijarah and tabarru’ contracts at PT Asuransi Jiwa Syariah Al-Amin in Cirebon and assess their conformity with Islamic economic law. It employs a qualitative method with an empirical juridical approach. Primary data were collected through interviews with the branch manager and marketing staff, observation, and documentation of insurance policies, application forms, product provisions, and fund-management mechanisms. Secondary data were drawn from DSN-MUI fatwas, regulations, books, and relevant scholarly articles, then analyzed descriptively through data reduction, presentation, interpretation, and conclusion drawing. The findings show that the tijarah contract is implemented through wakālah bi al-ujrah, under which participants authorize the company to manage their funds in return for an ujrah. The tabarru’ contract is implemented through participants’ charitable contributions placed in a separate account for claim payments and mutual protection. These practices generally satisfy the principles of contractual clarity, fund segregation, transparency, justice, and mutual assistance and refer to DSN-MUI Fatwa No. 52/2006 and No. 53/2006. The study concludes that the integration of both contracts is consistent with Islamic economic law, although transparency in ujrah determination and tabarru’ fund management requires stronger oversight.
Co-Authors Abdul Fatakh Asep Saepullah Fajar Setiawan Jefik Zulfikar Hafizd M. Akbar Nafa Sekar Elena Wasman Wasman