PRAKTIK PENGUTIPAN JASA PENITIPAN GADAI EMAS DI PT. PEGADAIAN SYARIAH KOTA SIGLI

Abstract

This scientific paper discusses "The Practice of Citing Gold Pawn Deposit Services at PT. Syari'ah Pegadaian City of Sigli. "In this study there are two problems, namely: the process of citing day care services and the determination of day care services in the practice of gold pawning at PT. Pegliian Syariah City of Sigli. The research uses several methods, namely field research (Field Research), with observation techniques, interviews, and documentation, and Library Research (Library Research). The results of the study explained that the process of quoting gold deposit services is carried out based on the provisions set by the Islamic Pegadaian with maintenance costs / gold deposit services calculated per 10 days with a maturity of 120 days (4 months) with the value for ujrah (day care fees), namely 0.7% of the estimated gold. If it cannot pay off when due, then it can be extended by paying the deposit fee (rent place) only. This is in accordance with the Islamic legal basis based on the National Sharia Council Fatwa Number: 25 / DSN-MUI / III / 2002 concerning rahn which states that loans by mortgaging goods as collateral for debt in the form of rahn are allowed, and DSN Fatwa Number: 26 / DSN-MUI / III / 2002 concerning gold rahn, and DSN Fatwa Number: 09 / DSN-MUI / IV / 2000 stating that the storage of goods (marhun) is based on an ijarah agreement.