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All Journal Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship LOYALITAS: Jurnal Pengabdian Kepada Masyarakat Ulumul Qur'an: Jurnal Kajian Ilmu Al-Qur'an dan Tafsir Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Manajemen Pendidikan Islam Darussalam (JMPID) Jurnal Ekonomi Syariah Cendekia: Jurnal Pengabdian Masyarakat
Annas, Muhamad
IAI Darussalam Blokagung Banyuwangi
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Akad Ijarah Dalam Pembiayaan Pegadaian Syariah: Analisis Terhadap Fatwa Dsn-Mui No. 25/DSN-MUI/III/2002 Annas, Muhamad; Inayah, Nurul
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4444

Abstract

This study examines the implementation of ijarah contracts in sharia pawn financing by referring to the provisions of DSN-MUI Fatwa No. 25/DSN-MUI/III/2002 on rahn. Normatively, the fatwa stipulates that ijarah fees for maintenance and storage of collateral may not be determined based on the amount of financing provided. However, in practice, sharia pawn institutions often apply ijarah tariffs that vary according to the size of the loan, raising questions regarding their compliance with sharia principles. This research employs a normative juridical method with statutory and conceptual approaches, using DSN-MUI fatwas and relevant legal literature as primary and secondary legal materials. The findings indicate that the determination of ijarah fees in sharia pawn financing is still linked to the amount of financing disbursed, rather than to the actual cost of storage and maintenance of the collateral. Consequently, such practices are not fully aligned with the normative provisions of sharia law as regulated by DSN-MUI. This study contributes to the development of sharia economic law by providing a normative evaluation of ijarah implementation in contemporary sharia pawn practices and offering a basis for regulatory and institutional improvements.
Co-Authors Aliya, Mahya Biati, Lilit Fatkhur Rohman Ghofur, Rouf Abdul Ilham Bayu Solihin Imam Khusnudin Jamari Jamari M. Alaika Nasrulloh Mamlukhah Maskur Maskur Mohammad Ghozali Mohammad Ghozali, Mohammad Muh. Harun Al Rosid Mujahiddin, Anas Munawir Munawir Nawal Ika Susanti, Nawal Ika Nurul Inayah Nurul Inayah Rohman, Fatkhu Siti Nur Koyimah Sumari Mawardi Sumari Mawardi