Tinjauan Hukum Islam Dalam Penerapan Akad Ijarah Pada Produk Rahn Di Cabang Pegadaian Syariah Istiqlal Manado

Abstract

<jats:p>Islamic law doesnot merely regulate the ubudiyah problems, but it also deals with muamalah issues which are closely related to the operational processesof Islamic Financial Institutions (LKS). One of the LKSs is Islamic pawnshops that apply changing ijarah rate on theirRahnproducts in accordance with the loan given to customers despite the equal value of the pawned goods. This practice is not in accordance with the provisions of Sharia fatwaDSN-MUI No. 25 / DSN-MUI / III / 2002 about Rahn</jats:p>

Implementation of the National Islamic Council Fatwa Number 47/DSN-MUI/II/2005 in Banks Syariah Mandiri Branch Manado

“…So that Islamic banks and other sharia financial institutions do not implement products that can conflict with sharia principles. If this happens, the application of financing in Islamic banking will be far from the initial concept of establishing Islamic banks and the laws of Islamic finance (Bawanti & Hasan, 2018 (Hasan, Syarifuddin, & Luntajo, 2016). The importance of the MUI DSN Fatwa rules for sharia product quality assurance, the Islamic Financial Institutions should be the MUI DSN fatwa as a mecca in terms of the application of products in the LKS, especially in Bank Mandiri Syariah, Manado Branch.…”