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All Journal Jurnal Bisnis Kompetitif
Irwansyah Pendi
STMIK Dharmapala Riau
Social Sciences

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PENERAPAN AKAD IJARAH DI PEGADAIAN SYARIAH PADA PRODUK RAHN DALAM PERSPEKTIF EKONOMI MIKRO SYARIAH Agung Putra Andira; Irwansyah Pendi; Yoni Hendrawan
Jurnal Ekonomi Bisnis Kompetif Vol 5 No 2 (2026): JURNAL BISNIS KOMPETIF (JBK) 2026
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v5i2.3031

Abstract

This study aims to analyze the application of the “ijarah” (lease) contract to “rahn” (collateral-backed loan) products at Pegadaian Syariah (Sharia-compliant pawnshops) from the perspective of Sharia microeconomics. DSN-MUI Fatwa Number 25/DSN-MUI/III/2002 stipulates that “ijarah” fees must not be determined based on the loan amount but rather as compensation for the maintenance and safekeeping of the pledged collateral. The study employs a qualitative method with a descriptive approach based on library research, utilizing secondary data from books, scholarly journals, DSN-MUI fatwas, and other relevant literature. The findings indicate that the application of “rahn” and “ijarah” contracts at Pegadaian Syariah reflects Sharia microeconomic principles: justice (al-'adl), public interest (maslahah), balance (tawazun), transparency, and mutual assistance (ta'awun). From a Sharia microeconomic perspective, the “ijarah” contract benefits the public by providing access to financing that is fast, convenient, and free from “riba” (usury), while Pegadaian Syariah generates revenue from asset safekeeping services rather than from interest on the loan itself. Thus, the application of the “ijarah” contract to “rahn” products represents the implementation of a transaction mechanism that aligns with Sharia principles and supports the creation of an economic system that is just and oriented toward public welfare
Co-Authors Agung Putra Andira Yoni Hendrawan