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All Journal Murobbi: Jurnal Ilmu Pendidikan Indonesian Journal of Cultural and Community Development Sustainable: Jurnal Kajian Mutu Pendidikan Minhaj: Jurnal Ilmu Syariah Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat Tadris : Jurnal Penelitian dan Pemikiran Pendidikan Islam Journal of Communication Studies The Indonesian Journal of Islamic Law and Civil Law Maliyah : Jurnal Hukum Bisnis Islam Al Maqashidi : Jurnal Hukum Islam Nusantara Dedication: Jurnal Pengabdian Masyarakat
Rinwanto
Institut Agama Islam Nahdlatul Ulama Tuban
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Journal : Maliyah : Jurnal Hukum Bisnis Islam

 1 
Tinjauan Akad Rahn terhadap Praktik Gadai Syariah di Lembaga Keuangan Mikro KSPPS BMT Ash-Shofa Sejahtera Abadi Tuban Arianto, Yudi; Rinwanto, Rinwanto; Fu'ad , Moch Syifa'ul
Maliyah : Jurnal Hukum Bisnis Islam Vol. 15 No. 1 (2025): Juni 2025
Publisher : Islamic Economic Law Programs, Faculty of Sharia and Law State Islamic University (UIN) of Sunan Ampel Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/maliyah.2025.15.1.123-147

Abstract

Abstract: This research analyzes the mechanism of the rahn contract (sharia pawn) implemented at the KSPPS BMT Ash-Shofa Sejahtera Abadi Tuban Microfinance Institution from an Islamic legal perspective. Rahn is a sharia financing instrument which aims to provide financial solutions for the community with the principles of justice and without usury. This research uses a qualitative approach with a case study method, where data is obtained through interviews, observation and analysis of related documents. The research results show that the rahn contract mechanism implemented by BMT Ash-Shofa Sejahtera Abadi is in accordance with the principles of Islamic law as regulated in the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). However, there are several challenges in its implementation, such as limited customer understanding of the rahn contract and the need to optimize the sharia supervision system. Therefore, increasing education for customers and strengthening the role of the Sharia Supervisory Board (DPS) are important steps to ensure compliance with sharia principles. It is hoped that this research can contribute to the development of a sharia pawning system that is more effective and in accordance with the provisions of Islamic law. Keywords: Islamic Law, Rahn Agreement, Sharia Pawn, KSPPS BMT, Sharia Compliance. Abstrak: Penelitian ini menganalisis mekanisme akad rahn (gadai syariah) yang diterapkan di Lembaga Keuangan Mikro KSPPS BMT Ash-Shofa Sejahtera Abadi Tuban dalam perspektif hukum Islam. Rahn merupakan salah satu instrumen pembiayaan syariah yang bertujuan memberikan solusi keuangan bagi masyarakat dengan prinsip keadilan dan tanpa riba. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus, di mana data diperoleh melalui wawancara, observasi, dan analisis dokumen terkait. Hasil penelitian menunjukkan bahwa mekanisme akad rahn yang diterapkan oleh BMT Ash-Shofa Sejahtera Abadi telah sesuai dengan prinsip hukum Islam sebagaimana diatur dalam fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). Namun, terdapat beberapa tantangan dalam implementasinya, seperti keterbatasan pemahaman nasabah terhadap akad rahn serta perlunya optimalisasi sistem pengawasan syariat. Oleh karena itu, peningkatan edukasi bagi nasabah serta penguatan peran Dewan Pengawas Syariah (DPS) menjadi langkah penting untuk memastikan kepatuhan terhadap prinsip syariat. Penelitian ini diharapkan dapat memberikan kontribusi dalam pengembangan sistem gadai syariah yang lebih efektif dan sesuai dengan ketentuan hukum Islam. Kata Kunci: Hukum Islam, Akad Rahn, Gadai Syariah, KSPPS BMT, Kepatuhan Syariat.
Co-Authors Aditama, Pepsi Juwita Arianto, Yudi Eka Marita Putri Fauzi Elva Imeldatur Rohmah Farida Isroani Fu'ad , Moch Syifa'ul Hidayatus Sholihah Hosaini Imam Supriyadi Kumaidi Kumaidi Lauhul Mahfudz Malia Fransisca Maratus Sholihah, Maratus Masruchan, Masruchan Moch. Nurcholis Mufid Syakhlani Muhammad Za’im Muhibbulloh Nurlaela Nurlaela Nurul Hakim Prawhidhistia Wibowo, Dhika Shofiyullahul Kahfi Siti Khoiriyah Syarifah, Amilatus Yudi Arianto Yudi Arianto Yusuf, M Asror