Moh. Muzwir Rusliansyah Luntajo
Institut Agama Islam Negeri Manado, Sulawesi Utara, Indonesia

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TINJAUAN HUKUM ISLAM TENTANG PROSEDUR LELANG BARANG GADAI PADA KANTOR CABANG PEGADAIAN SYARIAH ISTIQLAL MANADO Faradila Hasan; Moh. Muzwir Rusliansyah Luntajo
Al-'Aqdu: Journal of Islamic Economics Law Vol 1, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v1i2.1811

Abstract

This article discusses the review of Islamic law on the auction procedure for pawned goods at the Istiqlal Sharia Pawnshop in Manado. The method used in this paper is descriptive qualitative with a juridical-normative approach. Several stages used include observation, interviews, and documentation. The results of the writing show that the auction process for pawned goods at the Istiqlal Manado Sharia Pawnshop Branch is in accordance with the provisions of the DSN-MUI Fatwa paragraph (5) on the sale of Marhun, if it is due, Murtahin must warn Rahin to pay off the debt immediately. If Rahin is still unable to pay off his debt, then Marhun is forcibly sold/executed through an auction, according to sharia. The proceeds from the sale of Marhun were used to pay off debts, unpaid maintenance and storage costs, and selling costs. Moreover, the excess of the sales proceeds belongs to Rahin, and the shortage becomes Rahin's obligation.Keywords: Auction; DSN-MUI Fatwa; Due date; Pawn; Sharia pawnshopAbstrakArtikel ini membahas mengenai tinjauan hukum Islam pada prosedur lelang barang gadai di Pegadaian Syariah Istiqlal Manado. Metode yang digunakan dalam penulisan ini yaitu deskriptif kualitatif dengan pendekatan yuridis-normatif. Beberapa tahap yang digunakan diantaranya observasi, wawancara dan dokumentasi. Hasil penulisan menunjukkan proses lelang barang gadai pada Cabang Pegadaian Syariah Istiqlal Manado sudah sesuai dengan ketentuan Fatwa DSN-MUI ayat (5) Penjualan Marhun, apabila jatuh tempo, Murtahin harus memperingatkan Rahin untuk segera melunasi utangnya. Apabila Rahin tetap tidak dapat melunasi utangnya, maka Marhun dijual paksa/dieksekusi melalui lelang sesuai syariah. Hasil penjualan Marhun digunakan untuk melunasi utang, biaya pemeliharaan dan penyimpanan yang belum dibayar serta biaya penjualan. Dan kelebihan hasil penjualan menjadi milik Rahin dan kekurangannya menjadi kewajiban Rahin.Kata kunci: Fatwa DSN-MUI; Gadai; Jatuh tempo; Lelang; Pegadaian syariah