Qoneta, Eni Mar’a (2019) Praktik gadai syariah dalam Perusahaan Erahn.id perspektif kompilasi hukum ekonomi syariah. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.
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Abstract
INDONESIA:
Keberadaan gadai syariah swasta yang beroperasi di Indonesia kian meningkat, selain itu perkembangan teknologi memunculkan adanya gadai syariah online. Namun kebanyakan gadai online tersebut belum mendapat pengawasan usaha gadai dari lembaga Otoritas Jasa Keuangan. Sehingga menimbulkan ketidakpastian hukum. Erahn.id merupakan gadai syariah online pertama di Malang. Adanya gadai online memiliki beberapa ketentuan yang berbeda dalam pelaksanaannya, diantaranya pada proses pengambilan barang jaminan, apakah sesuai dengan data yang telah dikirim penggadai di website, penaksiran barang, proses pelelangan serta akad yang digunakan.
Dari permasalahan tersebut peneliti bertujuan ingin mengetahui bagaimana praktik gadai syariah dalam perusahaan Erahn.id serta praktik gadai syariah di Erahn.id perspektif Kompilasi Hukum Ekonomi Syariah. Penelitian ini menggunakan jenis penelitian hukum empiris dengan pendekatan deskriptif kualitatif. Pengumpulan data dilakukan dengan metode yaitu wawancara dan dokumentasi. Analisis data dilakukan dengan cara mengumpulkan dan mengecek data yang diperoleh dari lapangan, klasifikasi, verifikasi, analisis data dan penyimpulan.
Hasil penelitian tersebut yakni praktik gadai syariah dalam perusahaan Erahn.id perspektif Kompilasi Hukum Ekonomi Syariah bahwa proses gadai sama seperti pada umumnya namun ada beberapa hal yang membedakan yaitu adanya penaksiran secara online oleh Erahn.id, penggadai bisa menggunakan layanan pick up service atau layanan menjemput barang jaminan serta proses pencairan pinjaman di tempat nasabah. Sedangkan, praktik gadai syariah di Erahn.id telah sesuai dengan ketentuan dalam Kompilasi Hukum Ekonomi Syariah Buku II Akad Bab XIV tentang rahn diantaranya rukun dan syarat rahn, hak dan kewajiban dalam rahn, hak rahin dan murtahin, penyimpanan harta rahn, penjualan harta rahn. Namun beberapa praktik gadai di Erahn.id tidak sesuai dengan Pasal 403 ayat 3 dan 4 terkait penjualan marhun.
ENGLISH:
The existence of private Islamic liens that operate in Indonesia is increasing, besides that technological developments have led to the emergence of online Islamic liens. However, most of the online pawns have not yet received supervision of the pawn business from the Financial Services Authority. Causing legal uncertainty. Erahn.id is the first online Islamic pawn in Malang. The existence of an online mortgage has several different provisions in its implementation, including in the process of taking collateral, whether in accordance with the data that has been sent by the pawner on the website , valuation of goods, the auction process and the contract used.
From these problems the researchers aimed to find out how the practice of Islamic pawn in the company Erahn.id and the practice of Islamic pawning in Erahn.id the perspective of Compilation of Sharia Economic Law. This research uses empirical legal research with a qualitative descriptive approach. Data collection is done by the method of interviews and documentation. Data analysis is done by collecting and checking data obtained from the field, classification, verification, data analysis and inference.
The results of the study are the practice of Islamic pawning in the company Erahn.id perspective of Compilation of Sharia Economic Law that the pawn process is the same as in general but there are some things that distinguish that is the online assessment by Erahn.id, pawners can use pick up service or pick up service collateral items and the loan disbursement process at the customer's place. Meanwhile, the practice of Islamic pawn Erahn.id in accordance with the provisions in Compilation of Sharia Economic Law Compilation Book II, Chapter XIV concerning the rahn includes the rules and pillars of rahn, the rights and obligations of the rahn, râhin and murtahin rights, the storage of the rahn property, the sale of the rahn property. However, some pawn practices in Erahn.id are not in accordance with Article 403 paragraphs 3 and 4 related to marhûn sales.
Item Type: | Thesis (Undergraduate) | ||||||
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Supervisor: | Susanto, Burhanuddin | ||||||
Contributors: |
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Keywords: | gadai syariah; kompilasi hukum ekonomi syariah; sharia pawn; compilation of sharia economic law | ||||||
Departement: | Fakultas Syariah > Jurusan Hukum Bisnis Syariah | ||||||
Depositing User: | Anisa Putri | ||||||
Date Deposited: | 03 Feb 2020 15:00 | ||||||
Last Modified: | 03 Feb 2020 15:00 | ||||||
URI: | http://etheses.uin-malang.ac.id/id/eprint/15990 |
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