| dc.contributor |
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| dc.contributor |
UNISBA |
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| dc.creator |
Masitoh, Imas |
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| dc.creator |
Suprihatin, Titin |
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| dc.creator |
Nurhasanah, Neneng |
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| dc.date |
2016-02-15 |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/2438 |
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| dc.description |
Rahn gold is set by DSN-MUI fatwa DSN-MUI No: 26 / DSN-MUI / III / 2002 concerning Rahn gold. Rahn gold is allowed to Rahn. The provision of financing Rahn gold are as follows: (1) the cost of maintenance and storage marhun not be determined based on the number of loans, (2) costs and storage costs of goods (marhun) borne by pawner (rahin), (3) the amount of costs based on expenditure which obviously required, and (4) the cost of storage of goods (marhun) conducted by contract ijara. Bank Syariah Mandiri Branch Office Cimahi determination of administrative costs and maintenance costs are determined based on the amount of the loan and collateral heavy gold content customers. This study aims to determine the substance of the determination of the cost of administration and maintenance in the contract Rahn gold according to the fatwa DSN No: 26 / DSN-MUI / III / 2002, the implementation of pawning gold in BSM KC Cimahi, and the compatibility between the implementation of the pledge of gold in BSM KC Cimahi with fatwa DSN No. 26 / DSN-MUI / III / 2002 of gold rahn. The method used consists of this type of research in the form of qualitative analysis by means of field studies. The data source consists of a primary data source is an interview with an employee of Bank Syariah Mandiri Branch Office Cimahi and secondary data source that consists of a primary material used is the National Sharia Board fatwa Number: 26 / DSN-MUI / III / 2002 of gold Rahn. Data collection techniques cover observation, documentation, and interview. Based on the results of research show that the substance of the determination of the cost of maintenance and administration according to the fatwa DSN No: 26 / DSN-MUI / III / 2002 of gold Rahn should not be based on the amount of the loan but must be based on expenditures manifestly necessary. Implementation of the determination in administering and maintaining BSM KC Cimahi determined based on the amount of the loan and collateral heavy gold content customers. Thus the implementation of the determination in administering and maintaining BSM KC Cimahi not in accordance with the fatwa DSN: 26 / DSN-MUI / III / 2002 of gold Rahn |
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| dc.description |
Rahn emas ditetapkan oleh DSN-MUI dalam fatwa DSN-MUI No : 26/DSN-MUI/III/2002 tentang rahn emas, bahwa rahn emas diperbolehkan dengan prinsif rahn, ketentuan pembiayaan rahn emas adalah sebagai berikut: (1) besar biaya pemeliharaan dan penyimpanan Marhun tidak boleh ditentukan berdasarkan jumlah pinjaman (2) ongkos dan biaya penyimpanan barang (marhun) ditanggung oleh penggadai (rahin) (3) besarnya ongkos didasarkan pada pengeluaran yang nyata-nyata diperlukan (4) biaya penyimpanan barang (marhun) dilakukan berdasarkan akad ijarah. Di Bank Syariah Mandiri Kantor Cabang Cimahi penentuan biaya administrasi dan biaya pemeliharaan ditentukan berdasarkan jumlah pinjaman dan berat kadar emas yang dijaminkan nasabah. Penelitian ini bertujuan untuk mengetahui subtansi penentuan biaya administrasi dan pemeliharaan dalam akad rahn emas menurut fatwa DSN No:26/DSN-MUI/III/2002, pelaksanaan gadai emas di BSM KC Cimahi dan kesesuaian antara pelaksanaan gadai emas di BSM KC Cimahi dengan fatwa DSN No 26/DSN-MUI/III/2002 tentang rahn emas. Metode penelitian yang digunakan terdiri dari jenis penelitian berbentuk analisis kualitatif dengan cara studi lapangan. Sumber data terdiri dari sumber data primer yaitu wawancara dengan karyawan Bank Syariah Mandiri Kantor Cabang Cimahi dan sumber data sekunder yaitu terdiri dari bahan primer yang digunakan adalah fatwa Dewan Syariah Nasional Nomer : 26/DSN-MUI/III/2002 tentang rahn emas. Teknik pengumpulan data berupa observasi, dokumentasi dan wawancara. Berdasarkan hasil penelitian menunjukan bahwa substansi penentuan biaya pemeliharaan dan administrasi menurut fatwa DSN No:26/DSN-MUI/III/2002 tentang rahn emas tidak boleh berdasarkan jumlah pinjaman tetapi harus berdasarkan pengeluaran yang nyata-nyata diperlukan. Pelaksanaan penentuan biaya administrasi dan pemeliharaan di BSM KC Cimahi di tentukan berdasarkan jumlah pinjaman dan berat kadar emas yang dijaminkan nasabah. Dengan demikian pelaksanaan penentuan biaya administrasi dan pemeliharaan di BSM KC Cimahi belum sesuai dengan fatwa DSN:26/DSN-MUI/III/2002 tentang rahn emas |
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| dc.format |
application/pdf |
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| dc.language |
ind |
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| dc.publisher |
Proceedings of Finance & Islamic Banking |
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| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
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| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/2438/pdf |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/downloadSuppFile/2438/347 |
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| dc.source |
Proceedings of Finance & Islamic Banking; Vol 2, No 1, Prosiding Keuangan & Perbankan Syariah (Februari 2016); 207-216 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 1, Prosiding Keuangan & Perbankan Syariah (Februari 2016); 207-216 |
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| dc.source |
2460-2159 |
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| dc.subject |
Proceedings of the Financial Institutions and Syariah Banking |
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| dc.subject |
Gold Pawn, DSN, Bank Syariah Mandiri |
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| dc.subject |
Keuangan dan Perbankan Syariah |
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| dc.subject |
Gadai Emas, Fatwa DSN, Bank Syariah Mandiri. |
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| dc.title |
The Analysis of the Implementation of National Sharia Board Fatwa Number 26/DSN-MUI/III/2002 on Gold Rahn at Bank Syariah Mandiri Branch Office Cimahi |
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| dc.title |
Analisis Pelaksanaan Fatwa Dewan Syariah Nasional Nomer : 26/DSN-MUI/III/2002 Tentang Rahn Emas pada Bank Syariah Mandiri Kantor Cabang Cimahi |
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| dc.type |
info:eu-repo/semantics/article |
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| dc.type |
info:eu-repo/semantics/publishedVersion |
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| dc.type |
Artikel yang dipeer-review |
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| dc.type |
Kualitatif |
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| dc.type |
qualitative |
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