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All Journal Jurnal Ilmiah Biosaintropis (Bioscience-Tropic) Jurnal Cendekia : Jurnal Pendidikan Matematika Edumaspul: Jurnal Pendidikan Pelita Eksakta J-PiMat : Jurnal Pendidikan Matematika Movere Journal Madu : Jurnal Kesehatan Nekton Jurnal Pengabdian Masyarakat (ABDIRA) Unram Journal of Community Service (UJCS) Jurnal Pendidikan dan Pembelajaran Sekolah Dasar (JPPSD) el-Madib: Jurnal Pendidikan Dasar Islam Pedagogy : Jurnal Pendidikan Matematika Jurnal Informatika Teknologi dan Sains (Jinteks) Journal of Public Health Concerns LITERA ABDI: Jurnal Pengabdian Masyarakat Mosaic: Jurnal Pengabdian Kepada Masyarakat Jurnal Pendidikan dan Sosial Humaniora Fusshilat : Jurnal Studi Pendidikan dan Keislaman Jurnal Ilmu Kedokteran dan Kesehatan Indonesia SiRad: Pelita Wawasan
Mirna Mirna
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Physics Public Health Social Sciences Other

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Journal : SiRad: Pelita Wawasan

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Transaksi ARRUM BPKB Kendaraan Secara Online di Pegadaian Syariah Jambi Perspektif Hukum Ekonomi Syariah Mirna, Mirna; Sasnifa, Pidayan; Fathoni, M. Kamal
SiRad: Pelita Wawasan October (Vol. 1 No. 3, 2025)
Publisher : Yayasan Nurul Musthafa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64728/sirad.v1i3.art7

Abstract

This study examines the implementation of online Arrum BPKB financing at Pegadaian Syariah Jambi from the perspective of Sharia Economic Law. Arrum BPKB (Ar-Rahn untuk Usaha Mikro) is a Sharia-based pawn financing scheme that provides micro-entrepreneurs with business capital using vehicle ownership documents (BPKB) as collateral, while the vehicle remains in the owner’s possession. Using a qualitative-descriptive approach with a normative-empirical perspective, data were collected through observation, interviews, and documentation involving employees and customers of Pegadaian Syariah Jambi. The findings indicate that the online Arrum BPKB mechanism combines digital innovation with Islamic legal principles. The financing contract involves two main Islamic contracts: rahn tasjīlī (a documentary pledge where only ownership documents are pledged) and ijarah (leasing for safekeeping of the documents). However, several procedural aspects were found to contradict Sharia Economic Law, such as the absence of written evidence during the contract, ambiguity in the contract termination period, and unclear provisions regarding the use of pledged goods. These findings highlight the need for procedural refinement and regulatory guidance to ensure full compliance with Sharia principles in digital-based financing. This study contributes to the discourse on Islamic pawn services by emphasizing the legal and ethical dimensions of digital transformation in Islamic finance. [Penelitian ini mengkaji implementasi pembiayaan Arrum BPKB secara daring di Pegadaian Syariah Jambi dalam perspektif Hukum Ekonomi Syariah. Arrum BPKB (Ar-Rahn untuk Usaha Mikro) merupakan skema pembiayaan berbasis syariah yang memberikan modal usaha kepada pelaku usaha mikro dengan jaminan dokumen kepemilikan kendaraan bermotor (BPKB), sementara kendaraan tetap dapat digunakan oleh pemiliknya. Penelitian ini menggunakan metode kualitatif-deskriptif dengan pendekatan normatif-empiris. Data diperoleh melalui observasi, wawancara, dan dokumentasi yang melibatkan pegawai serta nasabah Pegadaian Syariah Jambi. Hasil penelitian menunjukkan bahwa mekanisme Arrum BPKB daring berhasil mengintegrasikan inovasi digital dengan prinsip-prinsip hukum ekonomi Islam. Proses pembiayaan melibatkan dua akad utama, yaitu rahn tasjīlī (gadai berbasis dokumen kepemilikan) dan ijarah (sewa atas jasa penyimpanan dokumen). Namun, ditemukan beberapa aspek prosedural yang berpotensi tidak sesuai dengan prinsip syariah, antara lain tidak adanya bukti tertulis saat pelaksanaan akad, ketidakjelasan batas waktu berakhirnya perjanjian gadai, serta tidak adanya kejelasan mengenai pemanfaatan barang jaminan. Temuan ini menegaskan perlunya penyempurnaan prosedur dan pedoman hukum agar pelaksanaan pembiayaan digital dapat sepenuhnya sejalan dengan prinsip Hukum Ekonomi Syariah. Penelitian ini memberikan kontribusi terhadap pengembangan layanan gadai syariah digital dengan menyoroti dimensi hukum dan etika dalam transformasi keuangan berbasis syariah.]
Co-Authors Aan Wilhan Juliatmaja Ade Anwar Agung, Nur Alfairus, Nanda Alfionita, Reka Ar, Amran Aswadi Aswadi As’ad, Muhammad Aulia S, Diva Adhiesti Dahliana, Andi Besse Dewi Murni Dikananda, Arif Rinaldi Djabir D, Muhammad Dwinda Sari Fadjriah Ohorella Fathoni, M. Kamal Firman Rezaldi Hafid, Abd Handayani, Sri Hasyim, Rifki Helma Helma Husaini Husaini Ibrahim Ibrahim Ilham Kurniawan Irmawati Irmawati Istinganatul Ngulwiyah Italina, Cut Jamaris Jamaris Jumiati Jumiati Jumria Jumria Junaidin, Junaidin Makawiyah, Makawiyah Marliah Martanto . Marwa, Marwa Maulyanti, Restina Misnawati Misnawati Muhammad Nur MUHAMMAD SAID Muliadi Nurcahyani Nurcahyani, Nurcahyani Nurmawansa, Nurmawansa Ohorella, Fadjriah Pajrini, Ani Pidayan Sasnifa, Pidayan Prianti, Ani T Prianti, Ani T. Prianti, Ani Tri Putri, Sri Jingga Anggriani Qadrianti, Laeli Ramli Ramli Rifa’I, Ahmad RINI RINI Rustam, Harmawati Salsabila, Ilmi Samalam, Abdul Gafar sardiyanah, Sardiyanah Sari, Shinta Saridewi, Atika Selfi, Selfi Solfema Sri Novia Martin St Maryam, St Susanto, Setya Egha Susilawati Susilawati Suyuti DM, Yusnan Syaharani, Syaharani Wahana, Syainullah Yasin Mohamad Yasmin Yasmin Yulanda, Sisi Zainal, Zaid Zerri Rahman Hakim