TELAAH KONSEPTUAL MEKANISME OPERASIONAL PEGADAIAN SYARIAH

Abstract

Rahn is a debt agreement by making goods that have asset value according to sharia as collateral for marhun bih (debt). Loans by pawning marhun as collateral for marhun bih in the form of rahn are permitted, with the provision that the murtahin, in this case the sharia pawnshop, has the right to withhold the marhun until all marhun bih is paid off. In rahn transactions, the operational mechanism is very important to pay attention to, because the pawnshop operation must not be ineffective and efficient. The agreements that are carried out, including the services and products sold, must also be based on sharia by not carrying out business activities that contain elements of usury, maisir, and gharar. The operational mechanism of the sharia pawnshop is an implementation of the basic concept of rahn that has been determined by Islamic scholars.