The dynamics of mua'malah have always been a warm discussion in the community,

especially at this time of the Covid-19 pandemic and also this is related to the development

of the civilization system and the economy of the community itself. Something that is the

deepest thing about why Islam in providing and at the same time establishing the basic

concepts and methods that are the basis for developing mua'malah in the social, this happens

to aim that the Islamic economy is here to overcome social inequalities, maintain norms, and

into all walks of life, including the lower strata of society (Naqvi, 2013).

Islam in practice mua'malah is very familiar with and uses the term principals and

variables (tsawabit wa mutaghayyirat). Islam strictly prohibits the practice of usury in all its

forms. In this case, the topic of discussion is Rahn with the dimensions of 4 madhabs and

their application in shari'a pawnshops which of course must be in accordance with the

variables of each time following their development. Therefore, in this case, you must also

pay attention to all the principles contained in it, including keeping Rahn away from the usury

element of course.

Pawnshops can provide loans easily and quickly when Rahin does not have and or cash

or savings with funding from a third party, namely Murtahin. Especially if the person has a

large amount of assets, the safest, legal, and institutionalized way is to enter into a pawnshop.

When the public did not know that Rahn's contract was an agreement that had an independent

financial institution, in 2003 the establishment of the Shari'a pawnshop institution (Rokhmat

Subagiyo, 2014). With the increasing outbreak in the midst of the pawnshop community,

there are many types of goods that can be used as collateral in it such as gold consignment,

analysis in it is the character of this study. This is due to the analysis of the problem which

is the main point of discussion.

Related to this type of research is library research, the data collection technique is

carried out by deepening cases that study Rahn from 4 Madzhab, Sharia Pawnshops and

studying and checking various other literature references which contain close ties to the

problem being studied both from magazines, journals, encyclopedias and others (Haroen,

By using content analysis where there is actually a comparison between two opinions,

The Shari'a pawnshop system in this case is very clear or transparent and thick with

Henceforth, an agreement from Aqidain's side is needed. Actually, this concept

Sound System.

3. All types of vehicles in the form of Motorcycles, Cars, Antique or Expensive

Bicycles.

overcoming the needs of life or the community's economy. Within 15 minutes, the

funds can be disbursed by the man in Marhun's storage. Guarantees on all types of

goods that include electronics, property, jewelry and vehicles.

contract is 4 months, but can be extended by paying installments of part of the loan

money per month.

6. Repayment can be made at any time by calculating the loot period.

7. The lending process does not need to be difficult to open a new account

8. Customers can receive Marhun bih in the form of tuani or transfer

9. Marhun goods are always safe under the supervision of pawnshops

1. The loan period of Marhun bih is 120 days to be repaid or extended the Rahn period.

2. If the extension is carried out online by logging in at the wiliayah branch or

pawnshop unit of Shari'a, it has been approved by Rahin with proof of receipt.

damage or loss should occur. If this happens, it is expected to report to the local

pawnshop office.

5. The pawnshop provides a policy in terms of extension to the Rahin party freely, in

an easy way just to fill in the form that has been provided.

6. The pawnshop gave a rule to Rahin to always carry a KTp or driver's license and

SBR in returning Marhun bih.

7. Pawnshops provide rules to mortgagers must always follow the rules of the contract

The provision of the second pillar is the existence of Marhun bih, where this is done

. Likewise, the conditions in Aqidain must be Ahliyyah, must not be done by

In the practice of conventional economics, of course, it will be very thick with the

but henceforth the Rahin side follows it, then it is fasid.

from the borrower, in this case the goods used as collateral must be in accordance with what

is borrowed nominally. Therefore, Murtahin was able to obtain a security guarantee and

survive the loss because of the guarantee from Rahin. Henceforth the parties of Rahin and

Murtahin are entitled to take half or full of what has been transacted by both of them over

Marhun bih. And in essence, Rahn is a practice of borrowing money with goods that are used

as collateral or can be called a financial institution called a pawnshop. For jumhur ulama'

both from Shafi'iyyah, hanabilah, malikiyyah all mention rahn pillars there are four namely

pawning party and Murtahin as the recipient of the pawn goods who lent him money to Rahin,

practices in Indonesia. However, in Imam Shafi'i's opinion, Rahin was allowed to take

advantage of what he had prosecuted because of this because of rahin's status as the rightful

owner of Marhun, before Rahin expressed his inability to pay the repayment of the debt. Of

course, utilizing Marhun goods does not reduce or damage them so that they can reduce

Qimah or nominal. Whenever Rahin performs Talaf then Rahin must fix it until it returns to

the value or nominal origin of the item when it was mortgaged. Operationally, as explained

months, this is actually a form of Murtahin's vigilance over Marhun if he stays in his

supervision for too long, it will be damaged whether it is used or not. Likewise, when there

is Marhun allowed in shari'a pawnshops it includes electronics, securities, jewelry and

financial institution, namely Pegadaian Syari'ah. Rahn's practice prevails in Indonesia,

especially in shari'a pawnshops, where all types of transactions must provide guarantees of

safety in the world without harming Rahin. And survived the afterlife by being freed from

hell because of the practice of usury.