Legal Analysis on the Fatwa of Sharia National Council on Rahn: Between Legal Philosophy and Its Implementation in Indonesian Sharia Pawnshop

  • Alfarid Fedro University of Darussalam Gontor http://orcid.org/0000-0002-0061-0226
  • Setiawan bin Lahuri University of Darussalam Gontor
  • Mohammad Ghozali

Abstract

The function of Sharia Financial Institutions (SFI) is to provide the easiness for the needs of the community in sharia-compliant funding. One of them is Pegadaian Syariah (sharia pawnshop), which offers the pawning (rahn) contract as one of the sharia-compliant quick funding solutions. The National Sharia Council (NSC) realized the need to issue a fatwa on the guidelines on rahn as a form of response to the needs of the community in various SFI products. However, this fatwa contains biased meaning against the concept the rahn which is obscurely implemented between dain and qardh in some SFI contracts. Therefore, this study tries to analyze the DSN Fatwa NO. 25/DSN-MUI/III/ 2000 and DSN Fatwa NO. 26/DSN-MUI/III/2000 concerning rahn between legal philosophy and its implementation in sharia pawnshops from the perspective of Fiqh Muamalah. The result of this study emphasizes that it is necessary to include in this fatwa a legal philosophy underlying reason for pawning (rahn) decision, whether it is debt (dain) caused by buying-selling/trading (bai') or due to money loan debt (qardh). This basis will explain the sharia-compliant boundaries of the implementation of the rahn contract in SFI, especially in sharia pawnshops which still makes qardh the basis for the realization of rahn implementation.

Keywords: sharia pawnshops, rahn, qardh, DSN Fatwa NO. 25/DSN-MUI/III /2002 and DSN Fatwa NO. 26/DSN-MUI/III/2002.


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Author Biographies

Alfarid Fedro, University of Darussalam Gontor
the Postgraduate of Law of Islamic Economics
Setiawan bin Lahuri, University of Darussalam Gontor
the Postgraduate of Law of Islamic Economics
Mohammad Ghozali
University of Darussalam Gontor

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Published
2019-06-30
How to Cite
Fedro, A., Lahuri, S., & Ghozali, M. (2019). Legal Analysis on the Fatwa of Sharia National Council on Rahn: Between Legal Philosophy and Its Implementation in Indonesian Sharia Pawnshop. Mazahib, 18(1), 76-116. https://doi.org/10.21093/mj.v18i1.1365
Section
Articles