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DAFTAR ISI

HalamanHALAMAN JUDUL ............................................................................................. i

HALAMAN PERSETUJUAN .............................................................................. ii

HALAMAN PENGESAHAN ............................................................................... iii

MOTTO DAN PERSEMBAHAN ........................................................................ iv

ABSTRAK….…. ................................................................................................... v

KATA PENGANTAR .......................................................................................... vi

DAFTAR ISI ..................................................................................................... ix

BAB I PENDAHULUAN

A. Latar Belakang Masalah ................................................................ 1

B. Perumusan Masalah ...................................................................... 7

C. Tujuan Penelitian .......................................................................... 7

D. Pembatasan Masalah ..................................................................... 8

E. Manfaat Penelitian ........................................................................ 8

F. Metode Penelitian .......................................................................... 9

F.1 Metode Pendekatan ................................................................. 9

F.2. Spesifikasi Penelitian .............................................................. 9

F.3 Metode Pengumpulan Data..................................................... 10

F. 4. Metode Analisa Data.............................................................. 11

G. Sistematika Penulisan Skripsi ....................................................... 12

BAB II TINJAUAN PUSTAKA

A. Pengaturan Gadai Dalam Hukum Islam (Syari’ah) ...................... 14

A.1 Definisi Gadai ....................................................................... 14

A.2 Dasar Hukum Gadai Syariah (Rahn)..................................... 17

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1. landasan syariah ............................................................. 15

a. Al-qu’an ..................................................................... 15

b. Hadist Nabi Muhammad S.A.W ................................ 17

C. Ijma’ Ulama............................................................... 18

A.3 Rukun dan Syarat Gadai Syari’ah (Rahn) ............................. 19

A.3.1 Rukun Gadai Syariah .................................................. 19

A.3.2 Syarat-Syarat Gadai Syariah ....................................... 21

B. Pengaturan Gadai dalam Kitab UU Hukum Perdata

(KUHPerdata) ................................................................................ 23

B.1 Definisi Tentang Gadai ........................................................ 23

B.2. Perjanjian Kredit..................................................................... 25

B.3 Hak dan Kewajiban Para Pihak ............................................. 26

B.3.1 Hak Kreditur gadai ................................................... 27

B.3.2 Kewajiban Kreditur Gadai........................................ 28

B.3.3 Hak Debitur Gadai.................................................... 29

B.3.4 Kewajiban Debitur Gadai ........................................ 30

C. Pengaturan Perjanjian ditinjau dari Hukum Islam ......................... 31

C.1 Definisi Perjanjian ................................................................. 31

C.2 Syarat-Syarat Perjanjian Menurut Hukum Islam

(Syariah)................................................................................ 32

C.3 Batalnya Perjanjian ............................................................... 33

C.4 Akibat Dari Perjanjian........................................................... 35

D. Nilai- Nilai Sistem Perekonomian Islam ...................................... 36

D.1 Perekonomian Masyarakat Luas ........................................ 36

D.2 Keadilan Persaudaraan Menyeluruh .................................... 37

D.3 Keadilan Distribusi Pendapatan ........................................... 38

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D.4 Kebebasan Individu dalam Konteks Kesejahteraan Sosial ... 39

BAB III HASIL PENELITIAN DAN PEMBAHASAN

A. Selayang Pandang PT. Pegadaian (Persero) Syari’ah Cabang

Majapahit Semarang....................................................................... 40

A.1 Sejarah Pegadaian Secara Umum.......................................... 40

A.2. Profil Singkat PT. Pegadaian (Persero) Syari’ah Cabang

Majapahit Semarang ............................................................ 41

A.3. Struktur Organisasi ................................................................ 41

B. Implementasi Gadai Syariah Dalam Meningkatkan

Pertumbuhan Ekonomi Masyarakat di PT. Pegadaian

(Persero) Syari’ah Cabang Majapahit Semarang ........................... 53

B.1 Pegadaian Syariah ................................................................ 53

B.2 Mekanisme Akad................................................................... 59

B.3 Penghitungan Tarif Jasa Simpanan (Ijarah).......................... 62

B.4. Tata Cara Implementasi Gadai Syariah (Rahn) ..................... 63

C. Permasalahan Yang Timbul Dalam Implementasi Gadai

Syariah Dalam Meningkatkan Pertumbuhan Ekonomi

Masyarakat di PT. Pegadaian (Persero) Syari’ah Cabang

Majapahit Semarang....................................................................... 67

C.1 Masalah Internal ..................................................................... 68

C.2 Masalah Eksternal ................................................................... 72

D. Cara Penyelesaian Permasalahan Dalam Implementasi

Gadai Syariah Dalam Meningkatkan Pertumbuhan Ekonomi

Masyarakat di PT. Pegadaian (Persero) Syari’ah Cabang

Majapahit Semarang....................................................................... 74

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D.1 Masalah Internal ...................................................................... 74

D.2. Masalah Eksternal ................................................................. 78

BAB IV PENUTUP

A. Kesimpulan ................................................................................... 81

B. Saran ......................................................................................... 85

DAFTAR PUSTAKA

LAMPIRAN