PENYELESAIAN PEMBIAYAANBERMASALAH PADA AKAD QARDH YANG DISERTAI RAHNPRODUK ARRUM HAJI DI PT PEGADAIAN (StudiKasus di Kantor Cabang Pegadaian Syariah Kramat Raya Jakarta)

ABSTRAK PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD QARDH YANG DISERTAI RAHN PRODUK ARRUM HAJI DI PT PEGADAIAN (StudiKasus di Kantor Cabang Pegadaian Syariah Kramat Raya Jakarta) Oleh: Muhammad Yusuf Y. Badar, SH 1720123073 Ibadah Haji merupakansalah saturukun Islam yang wajibdilaksanakan oleh setiapmuslimsekaliseumurhidupbagi yang telahmemenuhisyaratistitha’ah (mampu), baiksecarafinansial, fisikmaupun mental. Mampu secara financial mempunyai arti memilikikecukupan dana untukmendapatkanporsi haji. Meskipuncukupsecara financial, namununtukdapatberangkat haji tetapharusmenungguantriankeberangkatan haji.Pengaturanpemberangkatan haji diatur oleh UU Nomor 13 tahun 2008 tentangPenyelenggaraanHaji. DenganadanyaprodukpembiayaanArum Haji Pegadaianmakaseseorangakanmendapatkanporsi haji sambilmenungguantriankeberangkatan. ProdukPembiayaanArrum Haji PegadaianmenggunakankonsepAkadQardhdisertaiRahnberdasarkan Fatwa No. 92/DSN-MUI/IV/2014 tentangPembiayaan yang DisertaiRahnserta Surat OJK Nomor: S-500/NB.223/2016 tanggal 17 Mei 2016 perihalProdukLayananPendaftaran Haji melaluiMekanismeGadai Syariah (Arrum Haji), yaitudenganmenjaminkanemasdanmendapatkan Uang Pinjaman Rp 25 jutadalambentuktabungan haji. KonsepRahndalampembiayaan haji inimemenuhisyaratmampudalam ibadah haji, yaitumempunyaibarangsebagaijaminan. Meskipunterlihatsama, namunRahnberbedadenganGadai yang diatur oleh KUHPerdataPasal 1150-1160. Yang menjadipermasalahanadalahbagaimanajikapembayaranangsuranpembiayaan haji tersebutterdapatkendalasampaidenganmacet, bagaimanapenyelesaiankreditbermasalahtersebutsertabagaimanaeksekusibarangjaminannya.Penelitianinimenggunakanmetodepenelitianyuridissosiologis (empiris), yaknipendekatanterhadapmasalahdenganmelihat dan memperhatikannormahukum yang berlakudihubungkandenganfenomena-fenomena yang adadaripermasalahan yang ditemuidalampenelitian. Penelitianinibertolakdari data primer, yaitu data yang didapatlangsungdari PT Pegadaian Kantor Cabang Syariah Kramat Raya Jakarta sebagaisumberpertamadenganmelaluipenelitianlapangan.Hasil penelitianinidiketahuibahwaapabilaPembiayaanArrum Haji Pegadaianinibermasalahataumacetmakadilakukanupayapenyelesaian, mulaidaripenagihan, rescheduling, klaimasuransisampaidenganeksekusijaminan. Untukjaminanemasdapatlangsungdieksekusi, karenaadadalampenguasaanPegadaiansepenuhnya. Namununtukjaminanberupasaldotabungan haji, tidakbisasertamertadieksekusi, harusmelaluimekanismepembatalansecaralangsung oleh nasabah. Jika nasabahtidakbersediauntukmembatalkanmakasaldotabungan haji tersebutmaka dana tersimpantidakdapatditarikkembali. Hal inimerupakansuatufenomenamenarikdalam proses eksekusibarangjaminan, terkesan proses eksekusi“secarabaik-baik”sertakurangdayaeksekutorialnya.Pemegangjaminanseharusnyamempunyaihakekslusifberupakewenanganmutlakuntukmengeksekusibarangjaminan yang dikuasainya. Kata Kunci :PenyelesaianPembiayaanBermasalah,AkadQardh, Rahn, Arrum Haji, PT Pegadaian Syariah Kramat Raya Jakarta. ABSTRACT SETTLEMENT OF NON-PERFORMING FINANCING IN QARDH AGREEMENT ACCOMPANIED BY RAHN ARRUM HAJJ PRODUCTSIN PT PEGADAIAN (Case Study at Kramat Raya Jakarta Sharia Pawnshop Branch Office) by: Muhammad Yusuf Y. Badar, SH 1720123073 Hajj is one of the pillars of Islam that must be performed by every Muslim once in a lifetime for those who have qualified istitha'ah (able), both financially, physically and mentally. Being able financially means having sufficient funds to obtain a portion of Hajj. Although financially enough, but to be able to go to Hajj still have to wait in line for hajj departure. Hajj departure arrangements are regulated by Law No. 13 of 2008 concerning the Implementation of Hajj. With the financing product Arum Haji Pegadaian, one will get a portion of Hajj while waiting for the departure queue. Arrum Haji Pawnshop Financing Products using the concept of AkadQardh with Rahn based on Fatwa No. 92/DSN-MUI/IV/2014 financing accompanied by Rahn and OJK Letter Number: S-500/NB.223/2016 dated May 17, 2016 regarding Hajj Registration Service Products through sharia pawn mechanism (Arrum Haji), namely by guaranteeing gold and obtaining a Loan of Rp 25 million in the form of hajj savings. Rahn's concept in financing hajj is qualified to be able to perform Hajj, namely to have goods as collateral. Although it looks the same, but Rahn is different from pawns regulated by civil code Article 1150-1160. The problem is what if the payment of hajj financing installments there are obstacles to the bottleneck, how the settlement of the non-performing loans and how the execution of collateral goods.This study uses sociological juridical research method (empirical), which is an approach to problems by looking at and paying attention to the prevailing legal norms associated with the phenomena that exist from the problems encountered in the study. This research is based on primary data, namely data obtained directly from PT Pegadaian Sharia Branch Office Kramat Raya Jakarta as the first source through field research.The results of this study are known that if arrum Haji Pawnshop financing is problematic or stuck then settlement efforts are made, ranging from billing, rescheduling, insurance claims to guarantee execution. For gold guarantee can be executed immediately, because it is in full pawnshop control.However, for guarantees in the form of hajj savings balance, it cannot be immediately executed, must go through the cancellation mechanism directly by the customer. If the customer is not willing to cancel then the balance of hajj savings then the saved funds cannot be withdrawn. This is an interesting phenomenon in the process of execution of collateral goods, impressed the execution process "in a good way" and lack of execution power. The guarantee holder shall have an exclusive right in the form of absolute authority to execute the security goods controlled by him. Keywords: Settlement of Non-Performing Financing, AkadQardh, Rahn, ArrumHajj, PT Pegadaian Syariah Kramat Raya Jakarta