Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi
Vol. 6 No. 1 (2026): Januari-Juni 2026

PERPANJANGAN WAKTU DAN TAMBAHAN BIAYA GADAI EMAS PERSPEKTIF HUKUM ISLAM: (Studi Kasus di Peagadaian Syariah Unit Bone)

Nuraini Firsan (Institut Agama Islam Negeri Bone)
Asni Zubair (Institut Agama Islam Negeri Bone)
Firdaus Firdaus (Institut Agama Islam Negeri (IAIN) Bone)
Muammar Hasri (Institut Agama Islam Negeri Bone)
A. Sultan Sulfian (Institut Agama Islam Negeri Bone)



Article Info

Publish Date
06 Apr 2026

Abstract

Abstract This study discusses the mechanism of extension of time and additional fees of pawning gold form an Islamic law perspective (case study at the bone unit of the Islamic pawnshop). The main focus is how the process is implemented and its compliance with sharia principles. The research method used is empirical juridical to analyse field practices and normative theological to assess sharia compliance. The results of the study indicate a lack of transparency and detailed information regarding the time extension mechanism and cost details for customers, even though the costs are claimed as mu'nah (maintenance/administrative) costs. This lack of detail and transparency creates gharar (uncertainty), which is prohibited under Islamic law due to its potential for harm and triggering disputes. This study recommends that Islamic pawnshop evaluate and revise their operational procedures, increasing transparency and clarity of information, to ensure full alignment with sharia principles that uphold fairness, openness, and the avoidance of gharar. Keywords: Gold pawn, time extension, Islamic law

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Religion

Description

Al-Kharaj contains several studies and reviews on Sharia Economic Law which includes Economic Law, Fiqh Muamalah, and Sharia Economics also includes many studies on law in a broader ...