Pertanggungjawaban Pegadaian Syariah terhadap Hilangnya Barang Jaminan Nasabah dalam Perspektif Hukum Islam (Pegadaian Syariah di Kabupaten Bantaeng)
Keywords:
Pegadaian Syariah, Barang Jaminan, Pertanggungjawaban, Rahn, Hukum Islam.Abstract
This study aims to examine the responsibility of Sharia Pawnshops for the loss of customers’ collateral items and to analyze it from the perspective of Islamic law. This research is a field research with a qualitative approach. Data were collected through interviews, observations, and documentation at the Sharia Pawnshop in Bantaeng Regency and analyzed descriptively using normative Sharia and juridical approaches. The findings show that the Sharia Pawnshop in Bantaeng Regency is responsible for the loss of collateral items if the loss is caused by the pawnshop’s negligence. The responsibility is fulfilled through compensation based on the appraised value of the collateral items (marhun) in accordance with internal regulations and applicable laws. From the perspective of Islamic law, this responsibility is consistent with the principles of amanah (trustworthiness) and mas’uliyyah (responsibility) as regulated in the rahn contract and DSN-MUI fatwas, which require the pawn recipient (murtahin) to safeguard the collateral and provide compensation in case of loss due to negligence. The settlement mechanism also reflects the principles of justice and deliberation. Therefore, it can be concluded that the responsibility of Sharia Pawnshops for the loss of customers’ collateral items is in accordance with Islamic legal principles, although improvements in supervision and security systems are still needed to maintain public trust.
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