The procedure for obtaining sharia pawning
financing through rahn contract is very simple. Community only shows by
proofing identity and chattels as collateral, the loan money can be obtained
but not in a long time relatively. Likewise to repay the loan, through
rahin it is enough to hand over sum of money and by rahn proof only with short processing
time also. However, the reality in the process of implementing sharia
pawning through rahn contract still does is not fully implementing of the
Islamic sharia provisions. Therefore, it is still common practice of
usury. As a result in the rahn process there still occurs tyranny and take
the possessions with falsehood. This study used qualitative research by using
data collection techniques through observations, interviews, and
documentation. While the sampling used purposive sampling method. The
process of data analysis was done with data reduction, data display, conclusion,
and verification. The validity of the data was tested by degree of
accuracy, degree of precision, degree of shifting, and degree of
agreement. The results showed that the overall implementation of sharia
pawning through rahn contract in BMT UGT Sidogiri Gapura Branch had been in
accordance with Islamic sharia. Due to the terms and essential principles had
been fulfilled and free from the practice of usury. While the factors
affecting the implementation process of sharia pawning through rahn contract in
BMT UGT Sidogiri Gapura Branch include educational factors, executing the
contract factors, and lack of discipline culture factors.
Keywords:
sharia pawning, rahn
