KONSEP HARGA POKOK BARANG LELANG JAMINAN DALAM PERSPEKTIF SYARIAH: (Studi Kasus pada PT. Pegadaian Syariah Cabang Luwu)

Heriyanti; Antong

doi:10.61896/jeki.v1i2.10

Authors

Heriyanti universitas muhammadiyah palopo
Antong Universitas Muhammadiyah Palopo

DOI:

https://doi.org/10.61896/jeki.v1i2.10

Keywords:

konsep, harga pokok, barang lelang agunan

Abstract

ABSTRAK

Saat masyarakat membutuhkan uang tunai, pilihan transaksi yang digunakan oleh masyarakat yang sering menghadapi masalah ini adalah dengan mengagunkan barang-barang berharganya. Penelitian ini bertujuan untuk mengetahui konsep harga pokok barang jaminan lelang pada pegadaian syariah yang diterapkan di PT. Pegadaian Syariah Cabang Luwu dan mekanisme penetapan harga pokok lelang barang jaminan pada pegadaian syariah yang diterapkan di PT. Pegadaian Syariah Cabang Luwu. Penelitian ini merupakan jenis penelitian lapangan (field research). Pengumpulan data dilakukan dengan melakukan wawancara kepada informan penelitian yang terdiri dari Pimpinan Cabang, karyawan dan nasabah di PT. Pegadaian Syariah Cabang Luwu. Hasil penelitian menunjukkan bahwa penerapan konsep harga lelang pada PT. Pegadaian Syariah Cabang Luwu telah menggunakan prinsip syariah, dimana jika barang jaminan nasabah telah jatuh tempo pihak pegadaian memberitahukan kepada nasabah bahwa barang jaminan tersebut telah jatuh tempo dan akan dilelang dan dalam proses pelelangan ini pihak pegadaian juga melakukan survei terlebih dahulu ke pasar setempat dan pusat pasar setempat serta melakukan penaksiran ulang agar tidak terjadi penzaliman sehingga dapat merugikan salah satu pihak dan menguntungkan pihak lain.

ABSTRACT

When people need cash, the transaction option used by people who often face this problem is to pledge their valuables. The study aims to determine the concept of the cost of goods auction collateral in sharia pawnshops applied at PT. Pegadaian Syariah Cabang Luwu and the mechanism for determining the cost of goods auction collateral at the sharia pawnshop applied at PT. Pegadaian Syariah Cabang Luwu. This research is a type of field research (field research). Data collection was carried out by conducting interviews with research informants consisting of Branch Managers, employees and customers at PT. Pegadaian Syariah Cabang Luwu. The results of the study show that the application of the concept of auction price at PT. Pegadaian Syariah Cabang Luwu has used sharia principles, where if the customer's collateral has matured the pawnshop informs the customer that the collateral is due and will be auctioned and in this auction process the pawnshop also conducts a survey first to the local market and the local market center and conduct a re-assessment so as not to cause oppression so that it can harm one party and benefit the other party.

References

Alimuddin. 2018. “Merangkai Konsep Harga Jual Berbasis Nilai Keadilan Dalam Islam.” Jurnal Ekonomi dan Keuangan 15(4):523–47.

Bunyamin. 2015. “Analisis Prosedur Pelelangan Terhadap Barang Jaminan Pada Kantor PT. Pegadaian Cabang Sungguminasa Kabupaten Gowa.” Bisnis & Kewirausahaan 4(1):1–7.

Daengs, Achmad, dan Amanda Deviana. 2020. “Eksistensi Dalam Persaingan Usaha Simpan Pinjam Pada PT. Pegadaian Syariah Surabaya (Kegiatan Pengabdian Masyarakat).” Jurnal Pengabdian LPPM Untag Surabaya 05(02).

Hasan, Faradila, dan Muh Muzwir. 2021. “Tinjauan Hukum Islam Tentang Prosedur Lelang Barang Gadai Pada Kantor Cabang Pegadaian Syariah Istiqlal Manado.” jurnal of islamic economics law 1(2):65–77.

Hasan, Hamka. 2010. Tafsir Gender: Studi Perbadingan antara Tokoh Indonesia dan Mesir. Jakarta: Badan Litbang & Diklat Departemen Agama RI.

Irawan, Hendra, dan Nurma Destina. 2016. “Tinjauan Hukum Ekonomi Syari’Ah Terhadap Pelaksanaan Penjualan Barang Gadai (Studi Kasus Pelelangan Di Pegadaian Syariah Kota Metro).” Journal of Chemical Information and Modeling 53(9):111–33.

Lubis, Muhlisah. 2021. “Konsep pelaksanaan lelang gadai emas pada pegadaian syariah perspektif hukum islam.” J-Mabisya 1(1):10–24.

Mulyawan, Wawan, A. Khumedi, dan Muhammad Iqbal. 2022. “Urgensi Lelang Dalam Penjualan Barang Gadai (Emas) pada Lembaga Keuangan Syariah Wawan.” Religion Education Social laa Roiba Jurnal 4(2):260–79. doi: 10.47476/reslaj.v4i2.704.

Novan, David, dan Rini Astuti. 2019. “Dosen Fakultas Hukum Universitas Islam Kadiri. Dosen Fakultas Managemen Universitas Islam Kadiri.” Jurnal Qawanin 3(1).

Roficoh, Luluk Wahyu, dan Mohammad Ghozali. 2018. “Aplikasi Akad Rahn Pada Pegadaian Syariah.” Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah 3(2). doi: 10.30651/jms.v3i2.1736.

Saputra, Bayu, dan Muhammad Anis. 2021. “Tinjauan Hukum Islam Terhadap Akad Rahn Pada Pegadaian Syariah.” Jurnal Hukum Ekonomi Syariah 3(2):224–30.

Shihab, M. Quraish. 2013. Kaidah Tafsir: Syarat, Ketentuan, dan Aturan yang Patut Anda Ketahui dalam Memahami Ayat-ayat Al-Qur’an. Tangerang: Lentera Hati.

Antong, A., & Riyanti, R. (2021). How Does Local Wisdom Become Value in Selling-Price Setting? Jurnal Akuntansi Multiparadigma, 12(3), 672–688. https://doi.org/10.21776/ub.jamal.2021.12.3.38

Muliadi, M., Muhammadiah, M., Amin, K. F., Kaharuddin, K., Junaidi, J., Pratiwi, B. I., & Fitriani, F. (2022). The information sharing among students on social media: the role of social capital and trust. VINE Journal of Information and Knowledge Management Systems, ahead-of-print(ahead-of-print). https://doi.org/10.1108/VJIKMS-12-2021-0285

Lantara, D., Junaidi, J., Rauf, N., Pawennari, A., & Achmad, R. N. (2022). Indonesian Islamic banks: A review of the financial state before and after the COVID-19 pandemic. Banks and Bank Systems, 17(4), 12–24. https://doi.org/10.21511/bbs.17(4).2022.02

Tijjang, B., Junaidi, J., Nurfadhilah, N., & Putra, P. (2023). The Role of Brand Love, Trust, and Commitment in Fostering Consumer Satisfaction and Loyalty. FWU Journal of Social Sciences, 17(1).

Khaddapi, M., Burhanuddin, B., Sapar, S., Salju, S., & Risal, M. (2022). Pengaruh Kualitas Pelayanan Kepuasan Pelanggan Melalui Loyalitas Terhadap Minat Membeli Kembali di Jinan Pet Care and Veterinary Palopo. Jurnal Aplikasi Bisnis Dan Manajemen, 8(3), 951–961. https://doi.org/10.17358/jabm.8.3.951

Risal, M., & Aqsa, M. (2021). Consumer Loyalty as Impact of Marketing Mix and Customer Satisfaction. MIMBAR : Jurnal Sosial Dan Pembangunan, 37(2), 297–304. https://doi.org/10.29313/mimbar.v37i2.8055

Salju, S., Junaidi, J., & Goso, G. (2023). The effect of digitalization, work-family conflict, and organizational factors on employee performance during the COVID-19 pandemic. Problems and Perspectives in Management, 21(1), 107–119. https://doi.org/10.21511/ppm.21(1).2023.10

Sapar, S., & Syafruddin, S. (2021). Conflict Resolution in Mining Area: An Alternative Strategy of Community Empowerment. Jurnal Ilmu Lingkungan, 19(3), 612–619. https://doi.org/10.14710/jil.19.3.612-619

M. Anwar, S., Junaidi, J., Salju, S., Wicaksono, R., & Mispiyanti, M. (2020). Islamic bank contribution to Indonesian economic growth. International Journal of Islamic and Middle Eastern Finance and Management, 13(3), 519–532. https://doi.org/10.1108/IMEFM-02-2018-0071

Yanti, D., Dedi Subagja, A., Nurhayati, S., Reza Irwansyah Rezeki, S., Herawati Limbong, C., & Solling Hamid, R. (2023). Short Videos & Social Media Algorithms: Effective Communication in Tourism Marketing. International Journal Of Artificial Intelegence Research, 6(1), 2022. https://doi.org/10.29099/ijair.v6i1.2.585

Junaidi, J., Wicaksono, R., & Hamka, H. (2022). The consumers’ commitment and materialism on Islamic banking: the role of religiosity. Journal of Islamic Marketing, 13(8), 1786–1806. https://doi.org/10.1108/JIMA-12-2020-0378

Karim, K., Ilyas, G. B., Umar, Z. A., Tajibu, M. J., & Junaidi, J. (2022). Consumers’ awareness and loyalty in Indonesia banking sector: does emotional bonding effect matters? Journal of Islamic Marketing, ahead-of-print(ahead-of-print). https://doi.org/10.1108/JIMA-03-2022-0092

Junaidi, J., Anwar, S. M., Alam, R., Lantara, N. F., & Wicaksono, R. (2023). Determinants to adopt conventional and Islamic banking: evidence from Indonesia. Journal of Islamic Marketing, 14(3), 892–909. https://doi.org/10.1108/JIMA-03-2021-0067

JUNAIDI, J., CHIH, W., & ORTIZ, J. (2020). Antecedents of Information Seeking and Sharing on Social Networking Sites: An Empirical Study of Facebook Users. International Journal of Communication, 14, 5705–5728.

Srisusilawati, Popon, Anisa Fitria, Selly Eriska, Tiara Deasy Nurfitriani Sumarwan, dan Nendiarti Juniar. 2021. “Analisis Fatwa DSN-MUI No. 25/DSN-MUI/2002 Tentang Pelelangan Barang di Pegadaian Syariah.” el-Jizya : Jurnal Ekonomi Islam 9(2):127–34. doi: 10.24090/ej.v9i2.4852.

Susanti. 2016. “Konsep Harga Lelang Barang Jaminan Gadai dalam Ekonomi Islam di Pegadaian Syariah Cabang Simpang Patal Palembang.” Intelektualita 5(1):45–56.

Wiroso. 2011. Produk Perbankan Syariah. Jakarta: LPFE Usakti.