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Nurnilawati
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Religion Economics, Econometrics & Finance

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Journal : Al-Ulum

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Application of Al-Uqud Al-Murakkabah in Gold Pawn Products at Pegadaian Syariah Kalsum, Ummi; Nurnilawati; Husain Insawan
Al-Ulum Vol. 24 No. 1 (2024): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v24i1.4276

Abstract

Research on the application of al-uqud al-murakkabah contracts in Islamic pawnshops has long been a concern of researchers. However, the research is not specific about the application of al-uqud al-murakkabah in Islamic pawnshops. This research aims to find out the application of al-uqud al-murakkabah in gold pawn products in Islamic pawnshops. The methods used are interview and observation. This research theory uses a normative juridical approach, based on the DSN-MUI fatwa and multi-contract criteria. The results of this study indicate that the application of al-uqud al-murakkabah in gold pawn products in Islamic Pawnshops using three contracts, namely the qard contract, rahn contract, and ijarah contract is in accordance with the DSN-MUI Fatwa. However, the application of the three contracts is not carried out separately, which is contrary to the criteria for multi-contracts that are allowed. This research found indications of combining buying and selling with debt and credit, which is prohibited because combining the two contradicts its character and nature. 
Co-Authors Husain Insawan Ummi Kalsum