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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Al-Manahij: Jurnal Kajian Hukum Islam Jurnal Akta AJIS : Academic Journal of Islamic Studies Jurnal Hukum Magnum Opus Journal Analytica Islamica JOURNAL OF SCIENCE AND SOCIAL RESEARCH AT-TURAS: Jurnal Studi Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Rayah Al Islam : Jurnal Ilmu Islam Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan JURMA : Jurnal Program Mahasiswa Kreatif LEGAL BRIEF Al-Sharf: Jurnal Ekonomi Islam Law_Jurnal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Law, Poliitic and Humanities SENTRI: Jurnal Riset Ilmiah Borneo : Journal of Islamic Studies JUDGE: Jurnal Hukum Journal of Islamic Law Studies Tasyri' Riwayat: Educational Journal of History and Humanities El-Mujtama: Jurnal Pengabdian Masyarakat PESHUM
Harahap, Mhd. Yadi
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Religion Aerospace Engineering Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : JOURNAL OF SCIENCE AND SOCIAL RESEARCH

 1 
RAHN VERSUS PAND PERKEMBANGAN DAN PENGATURAN DALAM KUHPERDATA, KHES DAN FATWA DSN MUI PERBEDAAN, PEMANFAATAN OBJEK, RISIKO DAN EKSEKUSI Hasanah, Uswatun; Harahap, Mhd. Yadi; Lubis, Fauziah
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.4894

Abstract

Abstract: The legal and economic systems in Indonesia continue to develop alongside the growing need to balance legal certainty with moral and religious values, particularly in the practice of debt collateral institutions. In this context, two systems coexistconventional pawn (pand) and Islamic pawn (rahn)which, although serving the same purpose as debt guarantees, differ in their legal principles and value orientation. This study aims to analyze and compare the regulation, utilization of collateral objects, risks, and execution mechanisms between rahn and pand as stipulated in the Indonesian Civil Code (KUHPerdata), the Compilation of Sharia Economic Law (KHES), and the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). Using a normative-comparative method with a qualitative descriptive approach through library research, the study reveals that while rahn and pand share similar objectives, they differ significantly in legal basis, economic orientation, and operational mechanisms. Rahn is founded on the principles of mutual assistance (tabarru) and sharia justice without interest, whereas pand is profit-oriented with an interest-based system. Overall, rahn reflects a more balanced integration of legal, moral, and socio-economic justice.Keyword: rahn, pand, KHES, civil code, DSN-MUIAbstrak: Sistem hukum dan ekonomi di Indonesia terus berkembang seiring dengan meningkatnya kebutuhan akan keseimbangan antara kepastian hukum dan nilai moral keagamaan, khususnya dalam praktik lembaga jaminan utang. Dalam konteks ini, terdapat dua sistem yang berjalan berdampingan, yaitu gadai konvensional (pand) dan gadai syariah (rahn), yang meskipun memiliki tujuan sama sebagai jaminan pelunasan utang, berbeda dalam prinsip hukum dan orientasi nilai. Penelitian ini bertujuan untuk menganalisis dan membandingkan pengaturan, pemanfaatan objek, risiko, serta mekanisme eksekusi antara rahn dan pand dalam Kitab Undang-Undang Hukum Perdata (KUHPerdata), Kompilasi Hukum Ekonomi Syariah (KHES), dan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Metode yang digunakan adalah penelitian normatif-komparatif dengan pendekatan deskriptif kualitatif melalui studi kepustakaan. Hasil penelitian menunjukkan bahwa rahn dan pand memiliki tujuan yang sama sebagai jaminan utang, namun berbeda dalam prinsip hukum, orientasi ekonomi, dan mekanisme pelaksanaan. Rahn berlandaskan prinsip tolong-menolong (tabarru) dan keadilan syariah tanpa bunga, sedangkan pand bersifat profit-oriented dengan sistem bunga. Secara keseluruhan, rahn lebih mencerminkan keseimbangan antara aspek hukum, moral, dan sosial ekonomi yang berkeadilan.Kata kunci: rahn, pand, KHES, KUHPerdata, DSN-MUI
Co-Authors Alya, T. Damara Amin, Muhammad Habibul Ananda, Aura Balqis Andrivina, Annisa Asomarito Pakpahan, Devi Maulani Aulia, Syahwa Nur Azhar Azhar Dayrobi, Mhd. Dermawan, Haris Desky, Saddam Pardamean Dewi Ervina Suryani, Dewi Ervina fatimah Fatimah Ginting, Erika Damayanti Harahap, Abu Yazid Bustami HARAHAP, FITRIANI Harahap, Hilal Haitami Harahap, Kholid harahap, Mhd Syahdani Harahap, Munawir Hasibuan, Hamka Husein Hidayat Hidayat Hidayat, Rahmat Juliansyah, Ali Akbar Lubis, Fauziah Lubis, Raihanah Erwina Lubis, Rizki Nur Fadilah Maiza Musaddat, Anwar Nasution , Saphira Husna Nur Asiah Nurasiah Nurasiah Nurasiah Qamariah Lubis, Akma Ramadhan Syahmedi Siregar Rangkuti, Zivana Tiara Amanda Said, Raja Anggun Kusuma Saragih, Nabila Fadiyah Shafa Sebayang, Muhammad Alfalah Shobirin, Shobirin Siregar, Nur Aini Sitepu, Reza Athaya Sri Turatmiyah Suhairi, Mhd Arbi Bayu Sukiati Sukiati Sukiati Syakilah, Nadra Putri Tanjung, Dhiauddin Tarigan, Tegar Laksana Tengku, Faqih Uswatun Hasanah Wahyudi Wahyudi Yulianda, Riska Zikry, Bagas Bi