Praktik Penjaminan Kebun Karet dalam Perjanjian Pinjam-Meminjam Perspektif Akad Rahn

Dina Aulia; Yuswalina Yuswalina; Marzuki Marzuki

doi:10.61994/jsls.v4i2.2310

Authors

Dina Aulia Fakultas Syariah dan Hukum, Universitas Islam Negeri Raden Fatah Palembang
Yuswalina Yuswalina Fakultas Syariah dan Hukum, Universitas Islam Negeri Raden Fatah Palembang
Marzuki Marzuki Fakultas Syariah dan Hukum, Universitas Islam Negeri Raden Fatah Palembang

DOI:

https://doi.org/10.61994/jsls.v4i2.2310

Keywords:

rahn, rubber plantation collateral, sharia economic law

Abstract

This study analyzes the practice of pledging rubber plantations in loan agreements in Menanti Village, Kelekar District, Muara Enim Regency, and its compliance with the principles of Sharia Economic Law. This study uses a qualitative approach with field research methods through interviews with four informants involved in the lending and borrowing practices. The results show that the transactions are conducted informally based on trust, without written agreements and without witnesses. The rubber plantation is used as marhun, is under the control of the murtahin, and the results are utilized by the lender during the agreement period. In addition, there is an additional loan repayment that has been agreed upon from the beginning of the contract. From the perspective of Sharia Economic Law, this practice has fulfilled the main elements of the rahn contract, namely rahin, murtahin, marhun, marhun bih, and sighat. However, its implementation is not fully in accordance with Sharia principles due to the use of marhun by the murtahin, additional loan repayment, and unclear division of responsibility and risk of plantation maintenance. This finding shows that the suitability of the rahn contract is not only determined by the fulfillment of the main elements of the contract, but also by fairness in the use of marhun, the distribution of benefits and risks, and the debt repayment mechanism that is in accordance with the principle of prohibition of usury.

References

Ali, Z. (2018). Metode Penelitian Hukum. Sinar Grafika.

Asyari, D. (2024). Tinjauan Hukum Ekonomi Syariah Terhadap Praktik Peminjaman Modal Pertanian Kelompok Tani Eka Sapta (Studi Kasus di Desa Pakuan Sakti Kecamatan Pakuan Ratu Kabupaten Way Kanan). IAIN Metro.

Fuady, M. (2003). Hukum Jaminan Utang. Citra Aditya Bakti.

Gresiska, M. dwi wijaya, Sintia, R., Afidah, N. N., Devi, M. S., Khasanah, N., Rosida, K., & Kurniawan, T. (2025). Konsep Rahn dalam Ekonomi Syariah: Telaah Hukum, Rukun, dan penerapannya di pegadaian syariah. Sebi: Studi Ekonomi Dan Bisnis Islam, 7(2), 147–159. https://doi.org/10.37567/sebi.v7i2.4497

Hamid, M., Djafar, A., & Ruslan, M. (2022). Pemanfaatan Gadai Sawah Oleh Kreditur Perspektif Hukum Ekonomi Syariah. Tadayun: Jurnal Hukum Ekonomi Syariah, 3(1), 17–32. https://doi.org/10.24239/tadayun.v3i1.33

Haroen, N. (2010). Fiqh Muamalah. In Jakarta. Gaya Media Pratama.

Hidayat, R. (2022). Fiqh Muamalah: Teori dan Prinsip Hukum Ekonomi Islam. CV. Tungga Esti.

Huzaini, M. (2022). Solusi yang berkeadilan dari praktik gadai sawah di perdesaan pulau Lombok. Jurnal Ilmiah Ekonomi Islam, 8(2), 1324–1331. https://doi.org/10.29040/jiei.v8i2.4497

Ibrahim, G. B., Fauziah, F., & Lubis, R. (2025). Analisis Penerapan Akad Ijarah pada Rumah Susun dalam Perspektif Hukum Ekonomi Syariah. Journal of Sharia and Legal Science, 3(2), 171–179. https://doi.org/10.61994/jsls.v3i2.1214

Malazid, A. S. (2016). Kedudukan Sistem Pengadaian Syariah. Kencana.

Melynia, S., Fathimah, E., & Gibtiah, G. (2022). Kedudukan Sertifikat Sebagai Alat Bukti Yang Kuat Menurut Hukum Positif dan Hukum Islam. Muqaranah, 6(1), 41–50. https://doi.org/10.19109/muqaranah.v6i1.12253

Mustofa, I. (2016). Fiqih Muamalah Kontemporer. RajaGrafindo Persada.

Rozalinda. (2016). Fikih Ekonomi Syariah: Prinsip-Prinsip dan Implementasinya. RajaGrafindo Persada.

Sainul, & Bahari, R. (2022). Studi Komparatif Antara Gadai Konvensional dan Gadai Syariah (Rahn). Mu’amalah Jurnal Hukum Ekonomi Syari’ah, 2(1), 53–80. https://doi.org/10.32332/muamalah.v1i2.5102

Surahman, Abidin, Z., & Haeran. (2023). Gadai Tanah Kebun: Dalam Perspektif Hukum Islam. Zabags Qu Publish.

Syafe’i, R. (2022). Fiqih Muamalah. Pustaka Setia.

Syahrullah, M. (2019). Formalisasi akad rahn dalam kompilasi hukum ekonomi syariah. Jurnal Islamika, 2(2), 144–153. https://doi.org/10.37859/jsi.v2i2.1645