AR-RAHNU: ISU DAN PENYELESAIAN SEMASA: AR-RAHNU: CURRENT ISSUES AND SOLUTIONS

NOR RAZINAH MOHD. ZAIN; Aznan  Hasan

doi:10.33102/mjsl.vol9no1.239

Authors

NOR RAZINAH MOHD. ZAIN Dr
Aznan Hasan IIUM Institute of Islamic Banking and Finance, Universiti Islam Antarabangsa Malaysia (UIAM)

DOI:

https://doi.org/10.33102/mjsl.vol9no1.239

Keywords:

Ar-Rahnu, SharÄ«â€˜ah, Undang-undang Sivil, Malaysia

Abstract

Abstract in English:

Ar-Rahnu is a concept of pawnbroking that based on the principles of Sharī‘ah. Contrary to conventional pawnbroking (PGK) practices, Ar-Rahnu emphasizes pawnbroking practices free of prohibited elements by Sharī‘ah, such as ribā and gharar. Based on the current situation in Malaysia, this study was written to address critical issues related to the practice of Ar-Rahnu, the provided solutions from the aspects of Fiqhī discussion, and the relevance of the existing legislation in Malaysia. This study was written in addition to the existing literature relating to Ar-Rahnu, which is still relatively scarce. Using qualitative, comparative analysis methods and observation from the practices in the industry, this research found that Ar-Rahnu can still be practiced in Malaysia even without specific laws. The method of harmonization between civil and Sharī‘ah laws is still needed to appreciate of Ar-Rahnu’s practices in order to ensure the effectiveness of this practice among the members of the society.

Abstract in Bahasa Malaysia:

Ar-Rahnu merupakan satu konsep pajak gadai yang berteraskan prinsip-prinsip Sharī‘ah. Berlainan dengan amalan pajak gadai konvensional (PGK), Ar-Rahnu menitikberatkan amalan pajak gadai yang bebas daripada elemen-elemen yang dilarang oleh Sharī‘ah seperti ribā dan gharar. Berdasarkan keadaan semasa di Malaysia, kajian ini ditulis untuk menghayati isu-isu penting berkaitan dengan amalan Ar-Rahnu dan penyelesaian dari aspek perbincangan secara Fiqhī dan kesesuaian dengan perundangan yang wujud di Malaysia. Kajian ini ditulis sebagai tambahan kepada literatur yang sedia wujud berkaitan dengan Ar-Rahnu yang didapati masih lagi sedikit. Dengan menggunakan kaedah kualitatif, kaedah analisis secara perbandingan, dan pemerhatian daripada amalan-amalan dalam industri, kajian ini mendapati Ar-Rahnu masih boleh diamalkan di Malaysia walaupun tanpa kewujudan undang-undang khusus. Kaedah pengharmonian di antara undang-undang sivil dan Sharī‘ah masih diperlukan dalam penghayatan amalan Ar-Rahnu bagi memastikan keberkesanan amalan ini di kalangan anggota masyarakat.

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