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All Journal ASAS : Jurnal Hukum Ekonomi Syariah AL IMARAH : JURNAL PEMERINTAHAN DAN POLITIK ISLAM Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Tadayun: Jurnal Hukum Ekonomi Syariah Al-Istinbath: Jurnal Hukum Islam Mu'amalah : Jurnal Hukum Ekonomi Syariah Nuansa : Jurnal Studi Islam dan Kemasyarakatan Mu'asyarah At-Tahdzib: Jurnal Studi Islam dan Muamalah Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Zakiruddin, Muhammad Aziz
UIN Fatmawati Sukarno Bengkulu
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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ASSESSING SHARIA COMPLIANCE OF LATE PAYMENT CHARGES IN GOLD INSTALLMENT SCHEMES Muhammad Aziz Zakiruddin; Tri Yolanda
Tadayun: Jurnal Hukum Ekonomi Syariah Vol. 6 No. 2 (2025)
Publisher : Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, Universitas Islam Negeri (UIN) Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/tadayun.v6i2.503

Abstract

The implementation of non-cash gold transactions in Islamic finance requires a careful balance between risk mitigation and adherence to Sharia principles. DSN-MUI Fatwa No. 77/DSN-MUI/V/2010 mandates that the selling price (thaman) in gold installments must remain fixed, yet operational realities often require mechanisms to handle default risks. This study evaluates the alignment of late payment charge practices at Pegadaian Syariah Bengkulu with prevailing Sharia regulations. Employing empirical legal research, data were collected through in-depth interviews and document analysis. The results indicate that Pegadaian Syariah applies a progressive penalty mechanism ranging from 1% to 4% depending on the duration of the delay. While this mechanism effectively functions as a deterrent (Ta’zir) against negligent customers aligned with the spirit of Fatwa No. 17/DSN-MUI/IX/2000 the progressive calculation based on time presents a compliance gap regarding the fixed price requirement in Fatwa No. 77/2010. The study suggests that to minimize ambiguity regarding the time value of money, harmonization is needed by transitioning the penalty structure from a progressive percentage to a fixed nominal administrative fee. This adjustment would ensure stronger adherence to Sharia standards while maintaining operational discipline. Abstrak Pelaksanaan transaksi emas tidak tunai dalam keuangan syariah menuntut keseimbangan yang cermat antara mitigasi risiko dan kepatuhan terhadap prinsip Syariah. Fatwa DSN-MUI No. 77/DSN-MUI/V/2010 menegaskan bahwa harga jual (thaman) dalam cicilan emas harus tetap, namun realitas operasional sering kali membutuhkan mekanisme untuk menangani risiko gagal bayar. Penelitian ini mengevaluasi keselarasan praktik biaya keterlambatan di Pegadaian Syariah Cabang Bengkulu dengan regulasi Syariah yang berlaku. Menggunakan metode penelitian hukum empiris, data dikumpulkan melalui wawancara mendalam dan analisis dokumen. Hasil penelitian menunjukkan bahwa Pegadaian Syariah menerapkan mekanisme denda progresif berkisar antara 1% hingga 4% bergantung pada durasi keterlambatan. Meskipun mekanisme ini efektif berfungsi sebagai sanksi (Ta’zir) bagi nasabah yang lalai selaras dengan semangat Fatwa No. 17/DSN-MUI/IX/2000 perhitungan progresif berbasis waktu menunjukkan adanya kesenjangan kepatuhan (compliance gap) terhadap ketentuan harga tetap dalam Fatwa No. 77/2010. Penelitian ini menyarankan perlunya harmonisasi dengan mengubah struktur denda dari persentase progresif menjadi biaya administrasi nominal tetap. Penyesuaian ini bertujuan untuk meminimalkan ambiguitas terkait time value of money serta memastikan kepatuhan syariah yang lebih kokoh tanpa mengurangi disiplin operasional.
Repositioning the Authority of the Hajj Financial Management Agency (BPKH) Following the Establishment of the Ministry of Hajj: An Analysis of Independence and Accountability in Hajj Fund Management Zakiruddin, Muhammad Aziz; Cecep Soleh Kurniawan
ASAS Vol. 18 No. 01 (2026): Asas, Vol. 18, No. 01 Juni 2026
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.1801.31740

Abstract

Previous studies on the Indonesian Hajj Financial Management Agency (BPKH) have largely focused on governance, accountability, and investment management under the regulatory framework preceding the establishment of the Ministry of Hajj. Limited attention has been paid to the repositioning of BPKH following the enactment of Law Number 14 of 2025 concerning the Organization of Hajj and Umrah. This study aims to analyze the functions and authority of BPKH in managing Hajj finances after the establishment of the Ministry of Hajj. This research employs a normative legal method using statutory, conceptual, and analytical approaches. The findings indicate that Law Number 14 of 2025 maintains BPKH’s role as the manager of Hajj finances and expands its involvement in determining the Hajj Operational Cost (BPIH). However, such reinforcement is mainly functional, while strategic authority is increasingly centralized under the Minister of Hajj. As a result, BPKH’s position has shifted from a relatively independent institution to a supporting institution within the Hajj governance system. The study also identifies potential issues of split authority, overlapping responsibility, and ambiguity of accountability between BPKH and the Ministry of Hajj. This study contributes to the discourse on Hajj governance by highlighting the institutional implications of the new regulatory framework and emphasizing the need for clearer authority arrangements and regulatory harmonization
Co-Authors Abito, Jasrin Ahmad Bahiej, Ahmad Bella Intan Lestari Cecep Soleh Kurniawan Choliza, Tia Iwan Romadhan Sitorus Kamsi Kamsi, Kamsi Rohmadi Rohmadi Tri Yolanda