Tinjauan Hukum Islam Terhadap Prkatik Gadai Emas di Bank Syariah Indonesia Cabang Lampung Tengah
Abstract
The development of Sharia banking industry products continues, one of which is a gold pawn. The research aims to understand the practice of gold pawn products at Bank Syariah Indonesia Lampung Tengah, to identify the strengths and weaknesses in the system and practice of gold pawn at Bank Syariah Indonesia Lampung Tengah, and to determine the Islamic legal provisions regarding the practice of gold pawn at Bank Syariah Indonesia Lampung Tengah. This type of research is classified as qualitative with a juridical and empirical research approach. The data sources for this research are Pawning Appraisal employees, Back Officers (BO), and customers of Bank Syariah Indonesia Lampung Tengah. The research results show that the practice of gold pawn at Bank Syariah Indonesia Lampung Tengah uses three contracts: card contract, pawn contract, and ijarah contract, which are considered in accordance with Sharia principles as they do not contain three prohibited elements in gold pawn practice, namely gharar, maysir, and riba. It is also in accordance with the Fatwa of the National Sharia Board No. 26/DSN-MUI/III/2002 regarding Gold Pawn. The strength of the gold pawn product is that it can be a solution for people to obtain loans quickly. However, the weakness of the gold pawn product is due to the requirements for the type of gold used as collateral and the need for more public knowledge about gold pawning in the banking sector.
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