Studi Komparasi Gadai Emas Pegadaian Konvensional Dan Pegadaian Syariah Di Cabang Metro
Abstract
The purpose of this study is to find out the comparison between gold pawnshops in conventional pawnshops and sharia pawnshops in Metro Lampung City. The research method used in this study is a qualitative research method with descriptive analysis. The results of the study show that there are three differences in pawning gold at conventional pawnshops and sharia pawnshops, namely in the contract, the calculation of pawning costs and the Financial Institution Supervisory Board. In Conventional Pawnshops the contract used for gold pawning is a pawn contract while in Sharia Pawnshops the contract used is Rahn and Ijarah. The next difference is in the calculation of mortgage costs, Conventional Pawnshops use capital leases with a percentage set by Conventional Pawnshops. At Sharia Pawnshops, the calculation of pawning costs uses contract mun'ah and maintenance mun'ah with the calculation method stipulated by Sharia Pawnshops which is guided by DSN Fatwa No.25/DSN-MUI/III/2002 concerning rahn in point 4 which reads “Big marhun maintenance and storage costs may not be determined based on the loan amount.” The next difference is that apart from being supervised by the Financial Services Authority (OJK), such as Conventional Pawnshops, Sharia Pawnshops are also supervised by the Sharia Supervisory Board (DPS) as supervisors of sharia compliance at Sharia Pawnshops.
Keywords: Pawn Gold; Conventional Pawnshops; Sharia Pawnshop
Abstrak
Tujuan dilakukannya studi ini adalah untuk menemukan bagaimana perbandingan gadai emas yang ada di pegadaian konvensional dan pegadaian syariah yang terdapat di Kota Metro Lampung. Metode penelitian yang digunakan dalam studi ini adalah metode penelitian kuualitatif dengan analisis deskriptif. Hasil penelitian bahwa ada tiga perbedaan dalam menggadaikan emas di Pegadaian Konvensional dengan Pegadaian Syariah yaitu pada akad, perhitungan biaya gadai dan Dewan Pengawas Lembaga Keuangan. Pada Pegadaian Konvensional akad yang digunakan pada gadai emas adalah akad gadai sedangkan pada Pegadaian Syariah akad yang digunakan Rahn dan Ijarah. Perbedaan selanjutnya ialah pada perhitungan biaya gadai, pada Pegadaian Konvensional menggunakan sewa modal dengan presentase yang telah ditetapkan oleh Pegadaian Konvensional. Pada Pegadaian Syariah perhitungan biaya gadai menggunakan mun’ah akad dan mun’ah pemeliharaan dengan metode perhitungan yang ditetapkan oleh Pegadaian Syariah yang berpedoman pada Fatwa DSN No.25/DSN-MUI/III/2002 tentang rahn pada poin ke 4 yang berbunyi “Besar biaya pemeliharaan dan penyimpanan marhun tidak boleh ditentukan berdasarkan jumlah pinjaman.”. Perbedaan selanjutnya ialah Pegadaian Syariah selain diawasi oleh Otoritas Jasa Keuangan (OJK) seperti Pegadaian Konvensioanal juga diawasi oleh Dewan Pengawas Syariah (DPS) sebagai pengawas sharia compliance pada Pegadaian Syariah.
Kata Kunci: Gadai Emas; Pegadaian Konvensional; Pegadaian Syaria
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