Pelibatan Akad Ijarah dalam Praktik Rahn di Bank Syari'ah Perspektif Hukum Ekonomi Syariah
DOI:
https://doi.org/10.24090/mnh.v12i1.1349Keywords:
leasing, pawn practice, multi-contract, shari'a banking, Islamic economic lawAbstract
The involvement of lease (ijÄrah) contract in pawn practice in syari’ah bank resulted in a combination of contract known as multi-‘aqd. Concerning multiple contracts (multi-‘aqd), there are a number of Prophetic traditions, at least three hadiths that are outwardly (textual meaning) indicating a ban on the use of multiple covenants. For example, the hadith about the prohibition of trading and debts (bai’ wa salaf), the prohibition to trade with two contracts (bai’atain fÄ« bai’ah), and two sales and purchase contracts in one transaction (á¹£afqatain fÄ« á¹£afqah). The contract of lease (ijÄrah) and the pawn agreement (rahn) are two different types of contract, in which the lease includes the type of sale and purchase agreement, while the pawn includes the type of loan contract. This combination of contracts is a type of multi-contract which is prohibited based on the hadith above. Transactions with this multi-contract form almost exist in all Islamic banking products today. This paper concludes that the law of engagement of lease contracts in pawn practices in Islamic banks is allowed. The Islamic jurisprudence scholars argue that this combination of contracts is compatible with the purpose of sharia (maqÄá¹£id al-sharī’ah), namely the ease in muamalah, lightening in the burden, and provide opportunities for innovation and the relevance of the development of the times and human needs in transactions.References
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Huda, Nurul dan Mohamad Heykal. Lembaga Keuangan Islam: Tinjauan Teoritis dan Praktis cet, 2. Jakarta: Kencana, 2013.
Imrani, Abdullah al-. Al-‘Uqūd al-Māliyyah al-Murakkabah: Dirāsat Fiqhiyah Ta’ṣiliyah wa Taṭbīqiyyah. Riyadh: Esbelia, 1431 H.
Ismail. Perbankan Syariah. Jakarta: Kencana, 2011.
Janwari, Yadi. Lembaga Keuangan Syariah.Bandung: Remaja Rosdakarya, 2015.
Kompilasi Hukum Ekonomi Syariah (KHES).
Maulana, Hasanaudin . “Multi akad dalam Transaksi Syariah Kontemporer pada Lembaga Keuangan Syariah di Indonesia.†Dalam Al-Iqtishal, Vol. III, No. 1, (2011).
Nawawi, Ismail. Fikih Muamalah Klasik dan Kontemporer. Bogor: Ghalia Indonesia, 2012.
Suhendi, Hendi. Fiqh Muamalah, Cet- 8. Jakarta: RajaGrafindo Persada, 2013.
Supriyadi, Ahmad. “Struktur Hukum Pegadaian Syariah dalam Perspektif Hukum Islam dan Hukum Positif (Suatu Tinjauan Yuridis Normatif terhadap Praktek Pegadaian Syariah di Kudus)â€.Dalam EMPIRIK: Jurnal Penelitian Islam, Vol. 3, No. 2, (2010).
Susamto, Burhanuddin. “Tingkat Penggunaan Multi Akad Dalam Fatwa Dewan Syari’ah Nasional–Majelis Ulama Indonesia (DSN-MUI)â€.Jurnal Al Ihkam, Vol. 11, No.1, (2016).
Sutendi, Adrian. Hukum Gadai Syariah. Bandung: Alfabeta, 2011.
Umam, Khaerul. Manajemen Perbankan Syariah. Bandung: Pustaka Setia, 2013.
Widodo, Sugeng. Moda Pembiayaan Lembaga Keuangan Islam Perspektif Aplikatif. Yogyakarta: Kaukaba, 2014.
Wiroso. Jual Beli Murābahah. Yogyakarta: UII Press, 2005.
Zuhaili, Wahbah al-.Fiqh Islam Wa Adillatuhu, terj. Abdul Hayyie al-Kattani,dkk.Jakarta:Gema Insani, 2011.
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Published
22-06-2018
How to Cite
Wahid, N. (2018). Pelibatan Akad Ijarah dalam Praktik Rahn di Bank Syari’ah Perspektif Hukum Ekonomi Syariah. Al-Manahij: Jurnal Kajian Hukum Islam, 12(1), 147–161. https://doi.org/10.24090/mnh.v12i1.1349
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