Shariah Compliance Akad Rahn Lembaga Keuangan Mikro Syariah (Studi Kasus BMT Mitra Muamalah Jepara)

Susilo, Edi

doi:10.19105/iqtishadia.v4i1.1159

Cited by 4 publications

(5 citation statements)

References 1 publication

(1 reference statement)

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“…This is where the important role of the company's sharia supervisory board. According to Susilo, the weakness of DPS supervision is one of the factors that Islamic companies operate not according to predetermined standards (Susilo, 2017).…”

Section: Implementation Of Shariah Compliance Indicators Against Gold...mentioning

confidence: 99%

Penerapan Sharia Compliance Pada Produk Gadai Emas Pada Pegadaian Syariah dan Bank Syariah XYZ

Purnama Sari,

Abdul Ghofur,

Ja'far

et al. 2021

IJSER

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Sharia compliance (sharia compliance) in the gold pawn business in the current era tends to be often violated by sharia companies in order to get greater profits. Even though interest in Islamic gold pawns continues to increase. On the other hand, the shariah compliance component is the main differentiator between sharia companies and conventional companies. Therefore, this study aims to analyze how the implementation of shariah compliance on gold pawn products is applied to Sharia Pawnshops and Mandiri Syariah Banks in Metro City, Lampung. The research was conducted in 2019 at the Syariah Pawnshop and Mandiri Syariah Bank in Metro City. The research method used is a case study in both sharia companies, with a qualitative descriptive analysis method by comparing the implementation of the gold pawn in the two sharia companies with the MUI fatwa and six shariah compliance indicators that the calculation formula does not purely use the loan amount as a cost determination, but only uses presentation only. While the administrative costs are different for each group, the Sharia Pawnshop will provide discounts for customers who do not borrow in full on the estimated pawned goods. Then the administrative costs at Bank Syariah Mandiri have details that are in accordance with the costs that are clearly needed, namely 2 stamps and 0.133% of the loan value

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Section: Implementation Of Shariah Compliance Indicators Against Gold...mentioning

confidence: 99%

Penerapan Sharia Compliance Pada Produk Gadai Emas Pada Pegadaian Syariah dan Bank Syariah XYZ

Purnama Sari,

Abdul Ghofur,

Ja'far

et al. 2021

IJSER

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“…Fatwa tersebut mengatur pengertian dan ketentun rahn , bahwa akad rahn pada prinsipnya dibolehkan dalam Islam. Ketentuan secara umum pada fatwa tersebut adalah: murtahin (penerima barang) mempunyai hak untuk menahan marhun (barang) sampai semua utang rahin (yang menyerahkan barang) dilunasi (Susilo, 2017). Tidak akan sah suatu akad tanpa adanya unsur-unsur yang menjadi rukun serta syarat sahnya, gadai sebagai sebuah akad perjanjian hutang piutang harus memenuhi rukun dan syarat-syarat tertentu.…”

Section: Sighat Al-'aqd (Pernyataan Untuk Mengikatkan Diri)unclassified

“…Rahn pada Lembaga Keuangan Syariah berbeda dengan gadai pada lembaga konvensional, karena gadai pada lembaga konvensional berbasis bunga yang dilarang dalam Islam yang motivasinya sematamata menperoleh keuntungan dengan memanfaatkan masyarakat berpenghasilan rendah yang rentandengan krisis keuangan. Hal ini berbeda dengan Lembaga Keuangan Syariah yang mem punyai misi sosial, spiritual berdasarkan maqashid syariah (Susilo, 2017).…”

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Implementasi (Rahn) Pada Pt. LKMS BMT Almabruk Batusangkar Perspektif Fikih Ekonomi

Zainuddin

2020

AJEI

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Artikel ini mengkaji tentang Implementasi (Rahn) pada PT. Lembaga keuangan Mikro Syariah Baitul Maal wat Tamwil (BMT) Almabruk Batusangkar Perspektif Fikih Ekonomi. Permasalahanya adalah barang jaminan tidak dihadirkan ketika terjadi akad pembiayaan serta nilai jaminannya lebih rendah dari pembiayaan karena pihak BMT lebih memperioritaskan asas kepercayaan nasabah. Jenis penelitian yang digunakan adalah penelitian lapangan pendekatan kualitatif. Sumber data dalam penelitian ini diperoleh dari wawancara dengan informannya yaitu marketing BMT Almbaruk. Data diolah dengan menganalisis fenomena dan dihubungkan dengan kajian fiqih ekonomi. Hasil penelitian yang diperoleh yaitu barang jaminan atas pembiayaan pada BMT Almabruk berupa barang rumah tangga baik yang bergerak atau tidak bergerak, baik yang telah dimiliki saat ini ataupun yang akan dimiliki selama masa pembiayaan untuk dijadikan sebagai jaminan atas pembiayaan. Implementasi barang jaminan pada BMT Almabruk ditinjau dari Fikih Ekonomi belum memenuhi rukun dan syarat rahn karena pihak nasabah tidak menghadirkan barang jaminan ketika terjadinya akad pembiayaan dan barang jaminan (rahn ) tidak dikuasi sepenuhnya oleh pihak BMT. Akad rahn yang tidak terpenuhi rukun dan syaratnya disebut rahn fasid.l

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“…Care and storage of pawned goods is essentially an obligation of the party who pawned them (rahn), but it can also be carried out by the party receiving the pawned goods (murtahīn), but the cost of maintaining and storing them must be borne by the debtor (rahīn). And the amount of the fee (ujrah) cannot be determined based on the loan size (Susilo, 2017).…”

Section: Introductionmentioning

confidence: 99%

Marketing Strategy of Sharia Pawn Products in Attracting Customer Interest

Mujibno,

Sasi Rohmah Awalia

2022

EKSYAR

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The marketing strategy between sharia and conventional is very different in the process, but has the same goal, namely how to increase the number of customers. This study aims to determine the marketing strategy of sharia pawn products in attracting customers at the BMT Nu Pragaan Sumenep branch. This study uses qualitative methods, namely case studies and using techniques of observation, interviews, and documentation. The results of this study indicate that the marketing strategy for rahn products implemented by the BMT NU Pragaan Branch uses face-to-face communication via online, grebek pasar / field trips, supporting factors or facilities that assist managers in conducting marketing at BMT NU Pragaan Branch are Brochures and Website The official website contains complete information about all the products available at BMT NU. Marketing constraints for BMT NU Pragaan Sumenep branch in attracting customer interest, namely the number of competitors/competitors, but this does not affect customer interest because the number of customers continues to increase every year.

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Shariah Compliance Akad Rahn Lembaga Keuangan Mikro Syariah (Studi Kasus BMT Mitra Muamalah Jepara)

Cited by 4 publications

References 1 publication

Penerapan Sharia Compliance Pada Produk Gadai Emas Pada Pegadaian Syariah dan Bank Syariah XYZ

Penerapan Sharia Compliance Pada Produk Gadai Emas Pada Pegadaian Syariah dan Bank Syariah XYZ

Implementasi (Rahn) Pada Pt. LKMS BMT Almabruk Batusangkar Perspektif Fikih Ekonomi

Marketing Strategy of Sharia Pawn Products in Attracting Customer Interest

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