Al-'Aqdu: Journal of Islamic Economics Law
Vol 1, No 2 (2021): December

TINJAUAN HUKUM ISLAM TENTANG PROSEDUR LELANG BARANG GADAI PADA KANTOR CABANG PEGADAIAN SYARIAH ISTIQLAL MANADO

Faradila Hasan (Scopus ID: 57202442583, Institut Agama Islam Negeri (IAIN) Manado)
Moh. Muzwir Rusliansyah Luntajo (Institut Agama Islam Negeri Manado, Sulawesi Utara, Indonesia)



Article Info

Publish Date
10 Dec 2021

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

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Journal Info

Abbrev

JI

Publisher

Subject

Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

Description

Al-Aqdu: Journal of Islamic Economics Law is registered with the ISSN number 2807-7830 (Print) and ISSN 2807-7342 (Online). It is a peer-reviewed journal published twice a year in June and December by the Shariah Economics Law Study Program, Faculty of Shariah, at the State Islamic Institute of ...