KEABSAHAN HUKUM PENGIKATAN JAMINAN TANAH DALAM PRODUK RAHN TAJSILY DI PT PEGADAIAN – STUDI KASUS PEGADAIAN UNIT BUNGAH

Firmananta  Respati; Erma Zahro Noor

doi:10.35316/hukmy.2024.v4i2.776-792

Firmananta Respati Jurusan Hukum, Magister Ilmu Hukum, Universitas Narotama, Indonesia
Erma Zahro Noor Jurusan Hukum, Magister Ilmu Hukum, Universitas Narotama, Indonesia

10.35316/hukmy.2024.v4i2.776-792

Keywords: Rahn Tajsily, Land Collateral, Legal Protection

Abstract

This study examines the implementation of the Rahn Tajsily Tanah product at the Pegadaian Unit Bungah, focusing on the process of securing land collateral, legal protection for both parties, and challenges faced during implementation. The findings reveal that the collateral binding process aligns with Islamic principles and regulations, particularly adhering to the DSN-MUI Fatwa No. 68/DSN-MUI/III/2008. However, the lengthy verification process poses a challenge. The legal protection provided ensures fairness and the absence of riba, securing the rights of both Pegadaian and the customers. Nonetheless, the challenges include prolonged verification times and a lack of customer understanding of the syariah contract. Suggestions include improving verification efficiency through collaboration with the National Land Agency (BPN), increasing public education on syariah principles, enhancing transparency, and exploring digital services to streamline processes. These improvements are expected to optimize the Rahn Tajsily Tanah product and its benefits for society.

References

Dara, Cut. “Eksekusi Jaminan Pada Penyelesaian Wanprestasi Gadai Emas Pada PT. Pegadaian Dalam Konsep Rahn (Studi Kasus Pada PT. Pegadaian (Persero) Cabang UPS Peunayong).” Universitas Islam Negeri Ar-Raniry, 2023.
Hassanah, Novia Wanti. “Sistem Penyelesaian Hutang Dengan Lelang Barang Gadai Di PT. Pegadaian (Persero) Syariah Unit Pegadaian Syariah Semangka Kota Bengkulu.” IAIN Bengkulu, n.d.
Herdiansyah, Haris. “Wawancara, Observasi, Dan Focus Groups: Sebagai Instrumen Penggalian Data Kualitatif,” 2013.
Hermawan, Rudi. “Analisis Akad Mudharabah Dalam Lembaga Keuangan Syari’ah.” Et-Tijarie: Jurnal Hukum Dan Bisnis Syariah 1, no. 1 (2014).
Hidayatulloh, Hidayatulloh. “Perlindungan Hukum Bagi Nasabah Dalam Akad Pembiayaan Di Pegadaian Syariah.” Istinbath: Jurnal Hukum Islam IAIN Mataram 15, no. 1 (2016): 61–82.
Lexy J. Moeloeng. Metodologi Penelitian Kualitatif. Revisi. bandung: PT Remaja Rosdakarya, 2019. https://opac.perpusnas.go.id/DetailOpac.aspx?id=1133305.
Masse, Rahman Ambo. “Konsep Mudharabah Antara Kajian Fiqh Dan Penerapan Perbankan.” DIKTUM: Jurnal Syariah Dan Hukum 8, no. 1 (2010): 77–85.
Moleong, Lexy J. “Metodologi Penelitian Kualitatif Edisi Revisi,” 2007.
Muslim, Muslim. “TINJAUAN HUKUM TENTANG PELAKSANAAN PERJANJIAN PINJAM MEMINJAM DENGAN JAMINAN PERHIASAN DI PEGADAIAN CABANG SENTANI.” Legal Pluralism: Journal of Law Science 3, no. 1 (2013).
PAKPAHAN, YULIA CHRISTIN. “PERLINDUNGAN HUKUM TERHADAP NASABAH ATAS PELELANGAN BARANG JAMINAN TANPA PEMBERITAHUAN KEPADA NASABAH,” 2021.
Rahmah, Alawiyah. “Pelaksanaan Lelang Pada Benda Jaminan GadaiI Berdasarkan Fatwa DSN NO. 25/DSN-MUI/III/2002 Tentang RAHN DAN POJK NO. 31/POJK. 05/2016 Tentang Usaha Pergadaian.” Fakultas Syariah dan Hukum Universitas Islam Negeri Syarif Hidayatullah Jakarta, n.d.
Sabir, Muhammad, and Rifka Tunnisa. “Jaminan Fidusia Dalam Transaksi Perbankan; Studi Komparatif Hukum Positif Dan Hukum Islam.” Mazahibuna: Jurnal Perbandingan Mazhab, 2020.
Santoso, Clairene E E. “Perputaran Modal Kerja Dan Perputaran Piutang Pengaruhnya Terhadap Profitabilitas Pada PT. Pegadaian (PERSERO).” Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 1, no. 4 (2013).
Shaik, Dilshad, and Ms V Poojasree. “Consumer Protection in E-Commerce: A Legal and Compliance Framework in the Digital Market.” In 1st International Conference on Law and Human Rights 2020 (ICLHR 2020), 18–23. Atlantis Press, 2021.
Soegiarto, Achmadio Noor, R Suharto, and Kashadi Kashadi. “KAJIAN HUKUM PERLINDUNGAN BAGI NASABAH PEGADAIAN DALAM LELANG BARANG JAMINAN.” Diponegoro Law Journal 8, no. 1 (2019): 1–21.
Susanto, Muhammad Joko. “TINJAUAN YURIDIS PELAKSANAAN AKAD RAHN TANAH PADA PT. PEGADAIAN SYARIAH UNIT RS SUWONDO PATI.” Universitas Islam Sultan Agung Semarang, 2023.
Zamzami, Faiz, Nabella Duta Nusa, and Ihda Arifin Faiz. Sistem Informasi Akuntansi. Ugm Press, 2021.