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Taufik Siregar
Universitas Medan Area
Religion Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Legal Protection Of Pawn Debtors For Damage And Loss Of Collateral Objects In Private Pawn Businesses Sembiring, Ferdiansah; Siregar, Taufik; Lubis, Aldi Subhan
Journal Analytica Islamica Vol 14, No 1 (2025): ANALYTICA ISLAMICA
Publisher : Program Pascasarjana UIN Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jai.v14i1.24383

Abstract

This study aims to analyze legal protection for pawn debtors concerning damage and loss of collateral in private pawn businesses. The growing phenomenon of private pawning practices without formal legality has led to legal uncertainty and increased risks to the rights of debtors. The research method employed is normative legal research with a literature review approach, utilizing data sources such as the Indonesian Civil Code (KUHPerdata), Law Number 8 of 1999 concerning Consumer Protection, Financial Services Authority Regulation (POJK) Number 31/POJK.05/2016 concerning Pawnshop Businesses, and Islamic legal instruments related to pawning (rahn). The results indicate that legal protection for debtors in private pawn businesses remains suboptimal. Although POJK Number 31/POJK.05/2016 provides adequate protection for licensed pawnshops, the regulation does not extend to individual private pawn practices. Consequently, debtors face difficulties in asserting their rights when collateral is damaged or lost. From the perspective of Islamic law, the principles of amanah (trustworthiness) and 'adl (justice) require the pawn recipient (murtahin) to safeguard and return the pledged item in good condition and to provide compensation in the event of negligence. This study recommends the need for regulatory reform to broaden the scope of legal protection to encompass all forms of pawn businesses, including home-based pawn operations. Integrating Islamic legal values, such as justice, trustworthiness, and consumer protection, into national regulations is essential to strengthen the legal standing of debtors and to create fairer, safer pawn transactions oriented toward public welfare. Thus, strengthening debtor protection not only reinforces the microfinance system but also supports the principle of social justice in Indonesia.
Co-Authors Abdul Hafiz Rangkuti Abi Jumroh Harahap Ahmad Laut Hasibuan Ane Fransiska Sianipar Anwar Sadat Harahap Anwar Sadat Harap Arie Kartika Asdi Syukur Dalimunthe Bakti Sukwanto Binka Lg Simatupang Bram Candra Churairah, Abu Cordyn Parulian Tuah Purba Dahnial Saragih Damanik, Jalinson Dediyansyah Putra Ginting Denny Lumbantobing Dessy Agustina Harahap Donny Christian Harita Duma Indah Sari Lubis Ediwarman Ediwarman Ediwarman Ediwarman Ediwarman Ediwarman Eno Karnis Tafanao Fitri Yanni Dewi Siregar Fransisco Lumban Batu Harahap, Abi Jumroh Harahap, Irfan Afdoli Hardi Mulyono Ikhsan Lubis Iman Jauhari Irfan Afdoli Harahap Irka Dony Hutasoit irsan, Dedy Isnaini Isnaini Ivan Roberth Sitompul Jadrias Tarigan Jalinson Damanik Jikri Sinurat Julpan Hartono Suria Manja Manurung Kaston Rudy Samosir Koto, Ismail Lestari Aprilia Limrogate Immmanuel Liston Andy Saputra Butar – Butar Lubis, Aldi Subhan Lubis, Ikhsan Lumbantobing, Denny M Citra Ramadhan M. Citra Ramadhan MAHMUL SIREGAR Makmur Makmur Makmur, Makmur Muazzul, Muazzul Nantama Mulyana NINGRUM NATASYA SIRAIT Noni Zulkarnain Posma Tumanggor Purba, Nelvitia Putra Zebua, Frans Rudy Rahalim Raja Muda Harahap Regen Manik Renal Eldinata Samosir Reza Aulia HP Riawindo Asay Sormin Rizkan Zulyadi Rizkan Zulyandi Roberto Tambunan Rudi Salam Sinaga Ruetaitip Chansrakaeo Sartika Yuli Sembiring, Ferdiansah Sri Hidayani Sudiono, Heri Suhatrizal Suhatrizal Sukwanto, Bakti Wessy Trisna Yundha Kurniawan Zai, Ariyunus Zaini Munawir Zulham, Zulhammercatoria@yahoo.com