| dc.contributor |
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| dc.contributor |
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| dc.creator |
Pujiati, Lulu Luthfida |
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| dc.creator |
Iskandar, M. Roji |
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| dc.creator |
Fauziah, N. Eva |
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| dc.date |
2016-02-16 |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/perbankan_syariah/article/view/2455 |
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| dc.description |
In the teachings of Islam, mutual help in the form of lending and borrowing allowed, but Islamic law teaches that the interests of shahibul maal (owner of the funds) should not be harmed by the borrower. Therefore, there must be a guarantee of goods from mudharib (clients) on loans granted by shahibul maal. Thus, if a jam occurs because the client is not able to repay the loan, the collateral can be auctioned or sold as a redeemer loans to cover the lack of customer debt. DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 Rahn has set the terms of sale of goods by the customer assurance process forced sale / auction. One of the Islamic financial institutions, which carry out the auction process of default mudharib collateral, is BPRS AL SALAAM Bandung. However, in fact, are sometimes not willing party’s mudharib guarantee goods sold or the Bank does not return the excess collateral auction sales results. Based on this, the formulation of the problem and the purpose of this study were to determine (1) terms of the auction the collateral according to DSN MUI fatwa No. 25 / DSN-MUI / III / 2002; (2) Implementation of auction items in BPRS AL SALAAM; and (3) Analysis of provisions DSN MUI fatwa No. 25 / DSN-MUI / III / 2002 Rahn in excess of the selling auction items in the BPRS AL SALAAM guarantee. The method used in this study is a qualitative research method, the data obtained directly from interviews, as well as quotes from various written sources closely associated with this research. The conclusion of this study is the provision auction the collateral according to DSN MUI fatwa No.25 / DSN-MUI / III / 2002 concerning Rahn where in it is described on the resolution of the contract Rahn did not explain in detail how a Marhun declared to be auctioned or sold directly. Auction items in BPRS AL SALAAM guarantee in practice is rarely carried out by the BPRS AL SALAAM and if there is an excess on the sale Marhun, the BPRS AL SALAAM not leave the rest of the surplus to Rahin. Results of analysis of the provisions of DSN MUI fatwa No. 25 / DSN-MUI / III / 2002 Rahn in excess of the selling auction items in the BPRS AL SALAAM guarantees have not been fully implemented. Especially in terms of finding Hilah (reason) is the name of the replacement cost of administration when there is excess selling on Marhun. |
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| dc.description |
Dalam ajaran Islam, tolong-menolong dalam bentuk pinjam meminjam diperkenankan, akan tetapi hukum Islam mengajarkan agar kepentingan shahibul maal (pemilik dana) jangan sampai dirugikan oleh peminjam. Oleh karena itu, harus ada jaminan barang dari mudharib (nasabah) atas pinjaman yang diberikan oleh shahibul maal. Sehingga, apabila terjadi kemacetan karena nasabah tidak mampu melunasi pinjamannya, barang jaminan tersebut dapat dilelang atau dijual sebagai penebus pinjaman untuk menutupi kekurangan utang nasabah. Fatwa DSN MUI Nomor 25/DSN-MUI/III/2002 tentang Rahn telah mengatur ketentuan penjualan barang jaminan nasabah dengan proses jual paksa/ lelang. Salah satu lembaga keuangan syariah yang melaksanakan proses pelelangan barang jaminan akibat wanprestasi mudharib adalah BPRS AL SALAAM Bandung. Namun demikian, dalam faktanya adakalnya pihak mudharib tidak rela barang jaminannya dijual atau pihak Bank tidak mengembalikan kelebihan hasil jual lelang barang jaminan. Berdasarkan hal tersebut, maka rumusan masalah dan tujuan dari penelitian ini adalah untuk mengetahui: 1) Ketentuan pelelangan barang jaminan menurut fatwa DSN MUI No. 25/DSN-MUI/III/2002. 2) Pelaksanaan pelelangan barang di BPRS AL SALAAM. 3) Analisa ketentuan fatwa DSN MUI Nomor 25/DSN-MUI/III/2002 tentang Rahn pada kelebihan hasil jual lelang barang jaminan di BPRS AL SALAAM. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif, data diperoleh secara langsung dari hasil wawancara, serta mengutip dari berbagai sumber tertulis yang erat kaitannya dengan penelitian ini. Kesimpulan dari penelitian ini adalah Ketentuan pelelangan barang jaminan menurut fatwa DSN MUI No.25/DSN-MUI/III/2002 tentang Rahn dimana di dalamnya dijelaskan mengenai penyelesaian akad Rahn tidak menjelaskan secara rinci bagaimana suatu Marhun dinyatakan harus dilelang atau dijual secara langsung. Pelaksanaan lelang barang jaminan di BPRS AL SALAAM dalam prakteknya jarang dilaksanakan oleh pihak BPRS AL SALAAM dan jika terdapat kelebihan pada penjualan Marhun, pihak BPRS AL SALAAM tidak memberikan sisa kelebihan tersebut kepada Rahin. Hasil analisa ketentuan fatwa DSN MUI Nomor 25/DSN-MUI/III/2002 tentang Rahn pada kelebihan hasil jual lelang barang jaminan di BPRS AL SALAAM belum dilaksanakan sepenuhnya. Terutama dalam hal mencari hilah (alasan) yang mengatas namakan penggantian biaya administrasi ketika terjadi kelebihan jual pada Marhun. |
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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/2455/pdf |
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| dc.source |
Proceedings of Finance & Islamic Banking; Vol 2, No 1, Prosiding Keuangan & Perbankan Syariah (Februari 2016); 261-266 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 1, Prosiding Keuangan & Perbankan Syariah (Februari 2016); 261-266 |
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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 |
Rahn, Auction, Sharia Rural Bank |
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| dc.subject |
Keuangan dan Perbankan Syariah |
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| dc.subject |
Rahn, Lelang¸ BPRS Syariah |
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| dc.title |
The Analysis of the Application of DSN MUI Fatwa number 25/DSN-MUI/III/2002 About Rahn on the Excess of Selling Result of Auction of Warranty in BPRS Al Salaam (Mohammad Toha Bandung) |
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| dc.title |
Analisis Penerapan Fatwa DSN MUI Nomor 25/DSN-MUI/III/2002 Tentang Rahn pada Kelebihan Hasil Jual Lelang Barang Jaminan di BPRS Al Salaam (Mohammad Toha Bandung) |
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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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