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Journal : Al-'Adl

Convergence of Qard and Ijarah Agreements Evidence of Gold Pawn Products from Bank Syariah Indonesia Mujahidin, Mujahidin; Randi, Randi; Muin, Rahmawati; Sapira, Sapira
Al-'Adl Vol 16, No 2 (2023): Al-'Adl
Publisher : Institut Agama Islam Negeri (IAIN) Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/aladl.v16i2.5823

Abstract

The application of gold pawning in Islamic banks uses the concept of qardh and ijarah contracts with the guidance of Islamic economic law (sharia) with the provisions of the fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI). This study aims to determine the application of the Convergence of Qard and Ijarah Acts on Gold Pawn Products at Bank Syariah Palopo. The design in this research is field research that uses descriptive qualitative research methods with juridical analysis through observation, interviews. The results of this study reveal that the signing of qardh, rahn and ijarah contracts at Bank Syariah Mandiri Palopo is carried out separately to avoid gharar, jahalah and usury. Thus, qard products are not included in the hybrid contract category. The convergence of the gold pawn contract of Bank Syariah Mandiri Palopo City based on the research results is in accordance with the provisions of DSN fatwa No.25/DSN-MUI/III/2002 on rahn and DSN fatwa NO.26/ DSN -MUI/III/2002 on gold pawning. Thus, the convergence/integration of the qardh contract and ijarah contract in the gold pawn product at Bank Syariah Mandiri Palopo is appropriate because it is in accordance with and fulfils the DSN fatwa.
Co-Authors Abdalah, Salman Nurdin Aditia, Aditia Afif , Zahrotun Ni’mah Agustian, Tresa Ainur Rofiq Alamsyah Agit Aldika, Alwin Alfarez, Rendi Amalina, Qisty Amelia, Nadya Aminullah Aminullah, Aminullah Andriani, Ai Dini Aprila, Dzikri Arinda, Yurike Arno, Abd Kadir Arno, Giarno Bakri, Adzan Nor Beben Sutara, Beben Beny Setiawan, Beny Bunyamin Bunyamin Chenini, Rachid Daeli, Elisa Hotmauli Gratia Damayanti, Frisca Danang Wahyu Purnomo Dewani , Yunita Dimaputri, Asha Mutiara Dini Destiani Siti Fatimah Efendi, Kurniawan Endewip, Lidya N. Entusiastik Fahrezi, Filah faisal Reza Fasiha, Fasiha Ferdinand, Sahna Fiqran, Muh. Fitri Fatma Wardani Hamad Abdullah, Amjad Hanafiah Handayani, Tineka Hanifah, Dinda Haq, Faizal Hasan, Moch. Sya'roni Helmanto, Hendra Hidayatulloh, Endang Prayoga Husaini, Iin P.A Hutabarat, Prima Wahyu Kusuma Indresputra, Faozan Ishak Ishak Ivonne, Ivonne Jamil Jamil Jasmin A. Abdulrahman, Atty. Jatsiyah, Venti Kasjim Salenda, Kasjim Kholik, Chasan Khairul Khudriyah, Khudriyah Kurniawan, Dede Rizki Kurniawan, Tardi Kusuma, Fanila Kasmita Liani, Astri Ma'arif, Muhammad Anas Majid, Novita Majid, Nurul Huda Abdul Malusu , Muhamad Rizky MARTIANSYAH, Irfan Marwiah, Marwiah Marzuki Marzuki Muchtar, Muhammad Arafat Muchyidin, M. Syaichul muflihah muflihah Muhammad Asyura Muhammad Rifqi Hariri Muhammad Yusuf Muin, Rahmawati Mukhtar, Zulfikri Mulyadi, Muhamad Mulyani, Melza Munfarida, Isah Munir, Nur Murdhani, Lalu Ahmad Nirwana, Arum Sutra Noor Bakri, Adzan Novianty Djafri Nurhaqiqi, Lisda Nurzaman, Muhammad Zein Oktapiani, Vini Pratiwi, Widya Ayu Prayoga, Dito Primananda, Enggal Purba, Arif Budimansyah Qurrotul Ainiyah, Qurrotul RACHMADIYANTO, ARIEF NOOR Rahmadiani, Dina Rahmaningtiyas, Lutfi Ramadania, Sania Putri Randi, Randi Rasbi, Muh Rinandio, Dipta Sumeru Riskaldy, Riskaldy Rona, Rona Roziqin, Akhmad Ruslan Abdullah, Muh. Sabri, Ihsan Safarinanugraha, Dina Sapira, Sapira Setyanti, Dwi Sihombing, Humiras Betty Marlina Suhatman, Agus Sunardi Sunardi Syahabuddin, Syahabuddin Syuhada, Nur Taupik Rahman Utama, Yofa Anggriani Utari Utari Warman Warman Wenti Anggraeni, Wenti Wingkolatin, Wingkolatin Wiredarme, Wiredarme Yussuf, Ahmad Bin Zaini, Fawaidul Zulkarnaen, Rizmoon Nurul