Analysis of the Conformity of the Rahn Contract with Sharia Economic Law in the Practice of Gold Pawning at the Batusangkar

Fadli

Authors

Fadli Universitas Islam Negeri Mahmud Yunus Batusangkar Author

Keywords:

Gold Pawn, Rahn, Sharia Pawnshop

Abstract

This study examines the compliance of the rahn (collateral) contract used in gold pawning services at Pegadaian Syariah Batusangkar with the principles of Islamic economic law. The core issue addressed is the potential deviation in the meaning and implementation of the rahn contract, which may not fully reflect key Sharia values such as justice, transparency, and customer education. The purpose of this research is to analyze the structure of the rahn contract used, assess its Sharia compliance, and identify any questionable or non-conforming practices. A qualitative case study approach was employed, with data collected through in-depth interviews, direct observation, and documentation. The findings indicate that the rahn contract is formally applied in accordance with fiqh muamalah, yet a gap remains between the institution's implementation and the customers' understanding. Furthermore, educational and empowerment aspects are still lacking in practice. The study concludes that it is essential to strengthen the substantive dimensions of the rahn contract so that gold pawning services truly embody the foundational principles of Islamic economic law. These findings contribute both to the theoretical discourse and practical development of Sharia-compliant financial institutions.

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