GADAI EMAS (RAHN EMAS) DI BANK SYARIAH

Legal issue that underlying this thesis was how is the basic and characteristic of Rahn Product in Syariah Bank and how about the procedure, Rahn implementation constraints and the solving of the problems. The definition of Gold Rahn is a Bank product that give financing facilities to the customer with giving qaradh principle with the guarantee of related customer’s gold with binding in the form of pawning. The related goods/wealth is placed in the authorization and maintenance of Bank. For that maintenance, Bank give hire cost in the basic of ijarah principle. The characteristic of gold pawning product in the Syariah Bank is as follows: pawning purpose, Marhun (pawning object), pawning maximum, terms, repawning terms, funding value, pawning cost, binding, and other costs. The Rahn implementation procedure in Syariah Bank customer is with fulfilling the form of gold pawning funding application that completed with personal identity and guarantee goods, if the goods fulfilling the requirements the appraiser will explain the procedure and other costs that will be borne by customer after that the customer take the money on the teller according to the agreement between customers and Syariah Bank. If in the implementation of rahn in Syariah Bank facing any problems, such as the problem in the guarantee goods for instance: low appraisal, high appraisal, false goods, and fictitious pawning and conflicting goods. If the cases are occurred the branch office must give official report with the chronology and the copy of evidences. And if it is necessary the bank can report the case to the policeman and customer must explain the chronology of incident (especially in the case of false goods). It is suggested because of gold rahn in Syariah Bank is a new product thereby the socialization to the community must be increased so in the future community can select the using of conventional pawning, syariah pawning or the Syariah Bank held pawning activities. It is necessary to increase the quality of human resource therefore in the future Syariah Bank can held gold rahn in the better conditions in order to avoid any mistakes in the calculation of total money that must be accepted by rahin