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Journal : Lentera Hukum

The Principle of Utilization of Rahn in Non-Cash Transaction of Gold at Islamic Banks Ali, Moh.; Rahma, Siska Hidayatur
Lentera Hukum Vol 6 No 3 (2019): LENTERA HUKUM
Publisher : University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejlh.v6i3.9482

Abstract

Non-cash transaction of gold is one type of service by Islamic banks. Non-cash transactions of gold using the contract as a binder between Islamic banks and customers. The contract consists of a murabahah and rahn contract; this contract is contained in a Proof of Ownership of Gold (SBKE). In the rahn contract, there is a stipulation that gold, which is the object of cash, is used as collateral for Islamic banks. This study aims to analyze the validity and suitability of the rahn contract and future conceptions of noncash transactions of gold trading using the principle of benefit. The results showed that the rahn contract on the non-cash transaction of gold cash did not meet the validity of the contract contained in Article 21 KHES (Compilation of Sharia Economic Law) because there were provisions that contradicted Article 18 paragraph (1) item h of Law Number 8 of 1998 about Consumer Protection. Rahn in the non-cash transaction of gold is generally the same as the pawn only in the non-cash transaction of gold; there is an initial transaction in the form of murabahah. The next conception regarding the sale and purchase of gold in cash is a guarantee used no longer in the form of gold, but in the form of proof of ownership of gold or gold certificate, this is based on the MUI DSN fatwa Number 68 / DSN-MUI / III / 2008 concerning (rahn) Tasjily. Keywords: Non-cash Transaction of Gold, Rahn Contract, Principle of Utility
Co-Authors . NURFAIDA A. Syathori, A. Adi, Moh. Afifah, Annisa Nur Agung Agung Ahmad Jauhari Akmalia, Fadhila Nur Al Asqolani, Ibnu Hajar Al Banna, Hasan Alfinnas, Haflah Ali, Moh. Mudassir Amien, Laily Firdausi Aulia Ari Kartiko, Ari Assegaf, Muhammad Astuti, Rita Bayu Aulia, Farah Nizrina Aulia, Neila Najmi Ayu Wahyuningtyas Azidhan, Moh. Benu, Marthen Dewi Cahyani, Dewi Dewi Indriani Dodi Dominikus Rato Emi Zulaika Galuh Puspaningrum, Galuh Ghazali, Al Ghazali, Razi Ghufron, M. Ginanjar, Wisnu Hadi, Zainul Hakim , Luqman Harianto, Eka Hayati, Sarifatul Hayatul Khairul Rahmat Herowati Poesoko, Herowati Hilmi, Fahmi Firdaus Himami, Desyana Huda, F. Alamul Ikhwanuddin, Mohammad Imron Imron, Imron Inayah, Dewi Iswi Hariyani Jiwandono , Muchammad Rizal Khalid Mawardi, Khalid Mawardi Khumairoh, Elly khusnul khotimah Krisdianti, Kinasih Amara Lathifah, Ummul Latifani, Soraya Ulfa Luhur Wicaksono Luthfanie, Dhika M. Ikbal, Sin Iwil Muhshi, Adam Muthoharoh Muthoharoh, Muthoharoh N. Laterey, Moh. Ibrahim Nda’a, Moh. Rozali S. Noviyanti, Wita Nuaira, Nuaira Nuzulia Kumala Sari pengelola, pengelola Perdana, Fani Juliyanto Prakoso, Bhim Prawinegoro, Alwi Husein Prawironegoro, Alwy Husein Qodariah, Qodariah Rahma, Siska Hidayatur Rahmadi Indra Tektona Rahmawati, Rahmawati Ramadhani, Shinta Salwa Ratnaningsih, Fifit Fitria Rhama Wisnu Wardhana Rinto, Petrus Risna Risna, Risna Sahid, Toto Ahmad Sari, Diana Ratna Sariroh, St. Setyawan, Angelina Regita Kerin Sidik, Muhammad Ridho Anwarul Suklani Suwistiyonengsih Syahputra, Moh. Rizky Syahruni, Syahruni Thaariq, Muhammad Wahidah, Hunaynia Wahjuni, Edi Wahyudi, Yudha Ilham Waliden, Ibnu Alwaton Surya Warda Warda Y. A. Triana Ohoiwutun, Y. A. Triana Yudhantaka, Mochamad Dicky Zulfian Zulfian