Praktek Transaksi Jual Beli Emas Secara Daring Di PT. Pegadaian Syariah Pekanbaru Dalam Perspektif Hukum Islam

Afdol, Afdol (2020) Praktek Transaksi Jual Beli Emas Secara Daring Di PT. Pegadaian Syariah Pekanbaru Dalam Perspektif Hukum Islam. Other thesis, Universitas Islam Riau.

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Abstract

ABSTRACT The development of internet technology today is developing very rapidly, especially in the business world. This was also used by PT Pegadaian Syariah by launching an application called Pegadaian Syariah Digital Service. With this application, customers will be able to make any transactions for products from Pegadaian Syariah, especially for Tabungan Emas and MULIA (Murabahah Logam Mulia untuk Investasi Abadi) products. There are 2 (two) main problems that researchers raised with this research, Firstly, how is the implementation of online gold trading transactions at PT Pegadaian Syariah Pekanbaru and Second, how is the Islamic legal review of the practice of online gold trading transactions at PT Pegadaian Syariah Pekanbaru. In this study, researchers used a type of observational research method by conducting an interview with the Business Analyst Bureau of the Regional Office of PT Pegadaian (Persero) Pekanbaru. The results showed that online gold trading transactions in the Pegadaian Syariah Digital Service application were still in violation of Islamic law, namely riba and gharar in Tabungan Emas or MULIA products. Even though the DSN-MUI allows it through its fatwa, this fatwa is not strong and contradicts the decision of Majma 'Al Fiqh Al Islami and also the sharia standards set by the Accounting and Auditing Organization for Islamic Financial Institutions which do not allow gold trading transactions online because gold is required to be cash.

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