Normativitas Pegadaian Syariah dan Praktiknya di Dunia Muslim

Ali Murtadho
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引用次数: 0

Abstract

The existence of pawnshops appears to respond to urgent funding needs, especially for weak economies. Compared to banks or other financial institutions, pawnshops have their own advantages that are relatively easy for those who need funds quickly. However, even though it has a social nuance with relatively small capital rent (interest), conventional pawnshops are still considered problematic from the perspective of interest-free Islamic economic law. This problem gave rise to syari'ah pawnshops which eliminated the interest / capital lease system. In order to earn income for the institution as a substitute for interest, pawnshops syari'ah adopt contracts in muamalah fiqh that are formally seen as allowing the collection of fees from customers, for example the wadi'ah contract, ijarah, bai 'muqayadlah, and so on. The practical interpretation of the Shari'ah pawning formula in Muslim countries is quite varied, which is influenced by various factors not only due to the religiousness of the community but also to the economic and cultural conditions of the community.Keywords : Sharia Pawnshop, Capital Lease, and Ujrah.
伊斯兰当铺的正确性及其在穆斯林世界的实践
当铺的存在似乎是为了满足迫切的融资需求,尤其是对疲弱的经济体而言。与银行或其他金融机构相比,典当行有自己的优势,对于那些急需资金的人来说相对容易。然而,即使它具有相对较小的资本租金(利息)的社会细微差别,从无息伊斯兰经济法的角度来看,传统典当行仍然被认为是有问题的。这个问题产生了伊斯兰典当行,取消了利息/资本租赁制度。为了代替利息为典当机构赚取收入,典当行采用muamalah fiqh中的合同,这些合同被正式视为允许向客户收取费用,例如wadi'ah合同,ijarah, bai 'muqayadlah等。伊斯兰典当公式在穆斯林国家的实际解释是多种多样的,这不仅受到社区宗教信仰的影响,也受到社区经济和文化条件的影响。关键词:伊斯兰典当行,资本租赁,Ujrah。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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