The Relevance Of The Principle Of Maqashid Al-Syari'ah In The Procedure For Settlement Of Sharia Pawn Disputes  In Indonesia

M. Ihsan

doi:10.63922/ijebir.v4i06.2457

M. Ihsan Business Law, Muhammadiyah University Prof. Dr. HAMKA

DOI: https://doi.org/10.63922/ijebir.v4i06.2457

Keywords: Sharia Pawn, Dispute, Dispute Resolution, Maqashid Al-Syari'ah, Hifdzu al-Maal.

Abstract

The sharia pawn ( rahn ) institution continues to show a positive growth trend in Indonesia, increasing access to financing while also increasing the potential for disputes between the rahin (pawn giver) and the murtahin (pawn recipient). This research aims to analyze the forms of sharia pawn disputes in Indonesia, examine the rules and practices of dispute resolution efforts, and analyze the relevance of these resolution efforts from the perspective of Maqashid Al-Syari'ah . The research method used is qualitative with a case study approach at the Sharia Business Unit of PT. Pegadaian and the National Sharia Arbitration Board ( Basyarnas ) MUI. The results identify four main forms of dispute: differences in contract interpretation, issues of damage/loss of the pawned object, differences in the appraised value of the pawned object, and customer rejection of the auction. Dispute resolution is carried out hierarchically through deliberation to reach consensus ( al-Sulh ) , Basyarnas Arbitration ( Tahkim ) , and the Religious Court ( al- Qadha ) . When reviewed from the perspective of Maqashid Al-Syari'ah , dispute resolution must be based on the principle of good faith , which substantially aims to realize Hifdzu al-Maal (preservation of property) and produce maslahah (benefit) for all parties.

References

Adi Saputera, AR (2019). Completion Sharia Economic Disputes in Indonesia (A Study of Disputes Arising from Murabahah Agreements ). Nizham , 7(1), 131–148.
Adzkiya ', U. (2020). Analysis Maqashid Al-Syariah in Islamic Economic System and Pancasila. Indonesian Journal of Islamic Economics, 10(1), 23–35.
Alaqoh , S., & Mujib, A. (2023). Application of the Principles of Simple , Fast , and Low Cost Light In Completion Dispute Sharia Pawnshops Through Basyarnas ( National Sharia Arbitration Board ). Pagaruyuang Law Journal, 6(2), 179-194.
Alfisyahri, NN, & Siswantoro , D. (2012). Practices and Characteristics of Sharia Pawning in Indonesia. SHARE, 1(2), 118–141.
Ali, Z., & Nu'man, B. (2016). Sharia Pawn Law (1st ed.). Graphic Rays.
Alwi, M., Kara, MH, Abdullah, MW, & Fachrurrazy , M. (2022). The concept of Maqashid As Syariah in Islamic Banking . Al- Amwal : Journal of Islamic Economic Law, 7(2), 56-80.
Anhar, MZ, & Nurhayati. (2022). Theory of Maqashid Al- Shari'ah and its Application to Islamic Banking . JESYA: Journal of Economics and Islamic Economics, 5(1), 899-908.
Arto. (1996). Legal Appeals for Cassation and Judicial Review : Case Civil Law , Religion, Sharia Economics, and Criminal Law. Padang: Prenada Media Group.
Asmuni . (2006). Protection To Property . Millah Journal , V( 2), 293-305.
Atoriah , H. (2020). Settlement dispute Sharia economics at Pegadaian Syariah: Case study on negligence cashier in extending the rahn period at the Johar Karawang Sharia Pawnshop Unit ( Thesis ). UIN Sunan Gunung Djati.
Azizah, S., Febriadi , SR, & Srisusilawati , P. (2020). Analysis of ... [ Referring to to relevant sources in Thesis].
Sugiyono . (2011). Research Quantitative Qualitative and R&D. Bandung: Alfabeta .
Sugiyono . (2016). Research Methods Combination (Mix Methods). Bandung: Alfabeta .
Suharto, R., Triyono, & Oktavianto , J. (2016). Responsibility of PT. Pegadaian (Persero) for Damage and Loss of Pawned Goods at PT. Pegadaian (Persero) Semarang City. Diponegoro Law Review, 5(3), 1-15.
Surepno . (2018). Implementation Study Rahn Contract (Sharia Pawn) in Islamic Financial Institutions . Tawazun : Journal of Sharia Economic Law, 1(2), 174-186.