ANALISIS PENDAFTARAN HAJI MENGGUNAKAN TABUNGAN EMAS DI PEGADAIAN BERDASARKAN FATWA DSN MUI NOMOR 92/DSNMUI/IV/2014. (STUDI KASUS PEGADAIAN UPC MONGONSIDI)

Abstrak

Arrum Haji merupakan sebuah produk dari Pegadaian Syariah sebagai solusi pembiayaan haji berbasis syariah melalui mekanisme gadai emas dan tabungan emas. Produk ini bertujuan memudahkan masyarakat Indonesia dalam menunaikan ibadah haji dengan proses yang sesuai prinsip-prinsip syariah dan berdasarkan Fatwa DSN MUI No. 92/DSN-MUI/IV/2014. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan yuridis empiris, mengkaji aspek hukum, mekanisme kerja, serta tantangan yang dihadapi dalam implementasi produk tersebut di lapangan, khususnya di Pegadaian Upc Mongonsidi. Hasil penelitian menunjukkan bahwa produk Arrum Haji memanfaatkan prinsip rahn dan murabahah, serta mendukung program pemerintah dalam meningkatkan kesejahteraan umat melalui kemudahan akses pendanaan haji. Namun, terdapat tantangan seperti risiko risiko keuangan dan manajemen risiko yang perlu terus diatasi agar layanan ini semakin optimal dan sesuai syariah.

Arrum Haji is a product from Pegadaian Syariah as a solution for financing hajj based on sharia through the mechanism of gold pawn and gold savings. This product aims to facilitate the Indonesian people in performing the hajj pilgrimage with a process that is in accordance with sharia principles and based on Fatwa DSN MUI No. 92/DSN-MUI/IV/2014. This study uses a qualitative descriptive method with an empirical juridical approach, examining the legal aspects, work mechanisms, and challenges faced in implementing the product in the field, especially in Pegadaian Pringgan and Mongonsidi. The results of the study indicate that the Arrum Haji product utilizes the principles of rahn and murabahah, and supports government programs in improving the welfare of the people through easy access to hajj funding. However, there are challenges such as financial risks and risk management that need to be continuously addressed so that this service is increasingly optimal and in accordance with sharia.