Penentuan Hukum Syarak Di Dalam Pelaksanaan Skim Pajak Gadai Islam (Ar-Rahn) Di Malaysia

Keputusan: 

Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-77 yang bersidang pada 10 - 12 April 2007 telah membincangkan Penentuan Hukum Syarak Di Dalam Pelaksanaan Skim Pajak Gadai Islam (Ar-Rahn) Di Malaysia. Muzakarah telah memutuskan bahawa:

  1. Sumber modal kerja untuk pemegang pajak gadai Islam (al-Rahnu) hendaklah diperolehi daripada perbankan Islam atau sumber-sumber yang halal dan bebas dari amalan riba, judi, gharar dan aktiviti lain yang tidak selaras dengan kehendak syariah;
     
  2. Pemegang al-Rahnu hendaklah mengambil perlindungan insurans Islam (takaful) dan tidak boleh terlibat dalam aktiviti insurans konvensional;
     
  3. Sekiranya barang sandaran hilang atau dicuri atau musnah dan sebagainya, pemegang al-Rahnu hendaklah membayar pampasan baki nilai barang sandaran sewaktu ia ditaksirkan; dan
     
  4. Pemegang al-Rahnu digalakkan melantik Panel Penasihat Syariah dalaman bagi memantau operasi dan aktiviti al-Rahnu.
Keputusan (English): 

Syariah Determination on the Implementation of Islamic Pawn Broking Scheme (ar-Rahn) in Malaysia

Decision:

The 77th Muzakarah (Conference) of the Fatwa Committee of the National Council for Islamic Religious Affairs Malaysia held on 10th -12th April 2007 has discussed the Shariah determination of the implementation of Islamic Pawn broking Scheme (ar-Rahn) in Malaysia. The Committee has decided that:
 
1. The working capital for Islamic pawn broking shop (ar-Rahn) must be gained from Islamic banks or lawful (halal) sources and free from usury(riba), gambling, uncertainties (gharar) and other activities that do not meet the Shariah requirements
 
2. The pawnbroker should subscribe to Islamic insurance coverage and is not allowed to get involved with conventional insurance
 
3. If the collateral is lost, stolen, damaged or alike, the pawnbroker has to pay compensation for the remaining value of the collateral at the time of valuation
 
4. The pawnbroker should appoint internal Syariah legal advisor to supervise the operation and activities of ar-rahn.
 
Keputusan Muzakarah Kebangsaan lain berkaitan: 
Penentuan Hukum Syarak Di Dalam Pelaksanaan Skim Pajak Gadai Islam (Al-Rahn) Di Malaysia (Cadangan Kadar Upah Simpan Barang Gadaian)