Implementation the Indonesian Ulema Council Fatwa regarding the Sale and Purchase of Gold in Installments at Sharia Bank of Indonesia
DOI:
https://doi.org/10.35719/rch.v4i3.294Keywords:
Gold Installments, Contracs, Sharia Bank of IndonesiaAbstract
Purchasing gold using an installment payment model or in the form of savings has been applied to Sharia Bank of Indonesia (BSI) (BSI) and Pegadaian products. This started with the issuance of MUI Fatwa Number 77/DSN-MUI/V/2010 concerning the Implementation of Gold Installments, even though there were several ulama' who prohibited the practice of buying and selling gold in installments. Based on this, the author is interested in studying the application of gold installments at Sharia Bank of Indonesia (BSI) and its differences with gold savings transactions implemented by pawnshops, both in terms of contracts, payments and comparison of the installments of the two gold installments. The research method used is normative juridical using a statutory approach and a comparative approach. The theory used is the theory of legal benefit. The results of this research show that the transaction model applied by BSI is in the form of gold installments using a murabahah contract and a rahn contract, while Pegadaian is a gold savings account. These two gold installment models can provide benefits for people who want to invest in gold.
References
Book
Karim, Adiwarman. 2013, Bank Islam, Jakarta: Raja Gafindo Persada.
Rifai, Veithzal Andria, Permata Veithzal, Islamic Financial Management, (Jakarta: PT Raja Grafindo Persada)
Sunggono, Bambang. 2003. Metodologi Penelitian Hukum. Jakarta: Raja Grafindo Persada.
Journal and Article
Ahmad, Farhat Amaliyah. "Manajemen risiko terhadap pembiayaan murabahah di Bank Pembiayaan Rakyat Syariah." Az-Zarqa': Jurnal Hukum Bisnis Islam 10.2 (2018).
Agustin, Tiara. 2022. “Prosedur Pembiayaan Produk Cicil Emas Di Bank Sumselbabel Syariah Cabang Muhammadiyah Palembang”. Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol. 2, No. 1 March.
Basri, Jainudin, Anggraini Kusuma Dewi, and Gesang Iswahyudi. "Pembiayaan Murabahah Pada Perbankan Syariah Dalam Perspektif Hukum Di Indonesia." AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam 4.2 (2022): 375-380.
Imam Mustofa, 2014, Fiqih Mu’amalah Kontemporer, (Lampung: STAIN Jurai Siwo Metro Lampung.
Lubaba, Abu. "Implementasi Akad Rahn Dalam Perspektif Ekonomi Islam." Ecopreneur: Jurnal Program Studi Ekonomi Syariah 1.2 (2020): 49-58.
Magfiroh, A., & Anisah, I. (2023). Analisis Yuridis Putusan Mahkamah Konstitusi No. 80/PUU-XIV/2016 tentang Kewarganegaraan. Rechtenstudent Journal UIN KHAS Jember, 4(2), 159–175. https://doi.org/10.35719/rch.v4i2.269.
Mahmudi, Muhammad Aly, and Ahmad Masyhadi. "Konsep Murabahah Ibnu Rusyd Dan Implementasinya Pada Bank Syariah Di Indonesia." Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam 1.1 (2022): 1-12.
Muthiah, Aulia, and Yogabakti Adipradana Setiawan. "Perlindungan Konsumen Jual Beli Properti Dalam Perspektif Fiqih Jual Beli." Journal of Islamic and Law Studies 5.1 (2021).
Nasution, Surayya Fadhilah. 2021. “Pembiayaan Murabahah Pada Perbankan Syariah di Indonesia”. AT-TAWASSUTH: Jurnal Ekonomi Islam, Volume VI No. 1 January – June
Nizar, Muhammad. 2015. “Implementasi Pembiayaan Murabahah dalam Meningkatkan Profitabilitas”. Jurnal An-Nisbah Vol. 2 No. 1, October
Purwati, Sri. 2017. “Analisis Strategi Pemasaran Pembiayaan Murabahah Pada Produk Cicil Emas Dalam Meningkatkan Jumlah Nasabah, Studi Kasus Pada PT. Bank Syariah Mandiri Kantor Cabang Teluk Betung Bandar Lampung”. Raden Intan Lampung State Islamic University
Ramadhan, Denny, Embun Duriany Soemarso, and Septian Yudha Kusuma. "Strategi Pemasaran Digital Produk Cicil Emas pada Bank BSI KCP Semarang Banyumanik." Jurnal Pustaka Aktiva (Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta) 2.2 (2022): 55-61.
Ramadayanti, Firda. "Peran brand awereness terhadap keputusan pembelian produk." Jurnal Studi Manajemen Dan Bisnis 6.2 (2019): 111-116.
Sa’adi, Gusti Muslihuddin. 2019. “Analisa Kritis Hukum Kredit Emas (Kajian Kritis terhadap Fatwa DSN MUI Nomor 77 Tahun 2010 Tentang Murabahah Emas)”, At-Taradhi: Jurnal Studi Ekonomi Volume X Nomor 1, June.
Sunarsa, Sasa, and Moh Nurkholis Ramdani. "Analisis Fatwa Dewan Syariah Majelis Ulama Indonesia Tentang Akad Bagi Investor Emas Melalui Platform Aplikasi Bareksa." Jurnal Hukum Ekonomi Syariah (JHESY) 2.1 (2023): 84-97.
Zaenuri. 2014. “Konsep Pembiayaan Pemilikan Emas Pada Perbankan Syariah (Studi di Bank Mandiri Syariah Semarang)”, Jurnal at-Taqaddum, Vol. 6, No. 2, November.
Zahara, Rifqi Awati. "Aplikasi Status Al-Qabul (Rescheduling) dalam Akad Al-Ibra’Fiqh Muamalah Maliyyah." Jurnal At-Tamwil: Kajian Ekonomi Syariah 1.2 (2019): 1-26.
Legislation
Supreme Court Regulation Number 2 of 2008 concerning the Compilation of Sharia Economic Law (KHES);
DSN-MUI Fatwa Number 77/DSN-MUI/V/ 2010 concerning Non-Cash Buying and Selling of Gold;
Bank Indonesia Circular Letter Number 14/16/DPbS/2012 concerning Gold Ownership Financing Products for Sharia Banks and Sharia Business Units.
Website
https://www.pegadaian.co.id/produk/tabungan-emas, accesed on date 05 April 2023
https://business-law.binus.ac.id/2016/06/30/utilitarianisme-dan-tujuan-perkembangan-hukum-multimedia-di-indonesia/ accessed on date 05 April 2023
https://finance.detik.com/berita-ekonomi-bisnis, accessed on date 04 April 2023
https://www.pegadaian.co.id/produk/tabungan-emas, accessed on date 04 April 2023.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Cora Elly Noviati, Ana Laela Fatikhatul Choiriyah, Encik Lukmanul Hakim, Gatot Iriyanto, Frandy Risona Tarigan
This work is licensed under a Creative Commons Attribution 4.0 International License.
