The Awareness of Ar-Rahn

7/24/2019 The Awareness of Ar-Rahn

1/22

Rahn

NURUL FATIMAH BINTI MAMAT G1325682

BIDAHARI BINTI !ARMAN G132685"

UMMU HANI BINTI ABDULLAH G1321#38

NUR$AHIIRAH BINTI M%HAMAD ARIFFIN G1#21266

NUR &ALI'HA BINTI (%HAR G1#216#6


2/22

1) In*ro+,*.on. - !awn/ro0.n

..- Ar rahn

2) L.*era*,re re.ew3) !ro/le*a*een*

#) Researh%/4e*.e

Outlines

5) Researh

,es*.ons

6) Me*ho+olo

7) onl,s.on


3/22

!aal Bha**9Monash

Un.ers.*,nwa

a:,s9 2""8

Ar-Rahn, ss*e has*he a:a.* an+

a:a/.l.* *o ;ll *he a.n shor*-*er re+.*

s*r,*,re

Ar-Rahn, .s no* a

o:e*.*.on *o *heonen*.onal :awn/ro0.n9 /,* .* .s .n

r.s.n +ean+


4/22

A&ILA ABDULRA&A'9

DURHAMUNI


5/22

H.h os* l..n Man a::l.n for :ersonal loan Howeer9 *he ,al.;a*.on .s *.h* !eo:le hoose onen*.onal

:awn/ro0.n Reall h.h .n*eres*


6/22

To .nes*.a*e *he .ss,e on nee+ for Ar-Rahn o:are+onen*.onal :awn/ro0.n

To ;n+ o,* *he :ere:*.on o

Rahn aon o,n.*9 an+ non-,sl. To reoen+ sol,*.ons *o

.ss,es :er*a.n.n Ar-Rahn


7/22

Eha* .s .ss,e on *he nee+ forAr-Rahn o:are+ *oonen*.onal :awn/ro0.n

Eha* .s *he :ere:*.on on Ar-Rahn aon o,n.*9

,sl. an+ non-,sl. Eha* .s *he /es* sol,*.ons *o

*he .ss,es :er*a.n.n Ar-Rahn


8/22

=er so,l w.ll /e hel+ .n :le+e for .*s +ee+s) 7#38

The a,*hor wro*e *ha* leall .* refers *o hol+.n an .*e .n l.e, of a *ha* a /e sa*.s;e+ fro *ha* .*e) F.h shools of *ho,h* +e;ne++.eren*l ? as follows ? /,* w.*h s..lar.*.es on *he on*e*> :ro:er*s,rren+ere+ as .ns,rane on +e/* la.an*)


9/22

ha;e Ta0.n a non-f,n./le :ro:er* as .ns,rane

aa.ns* a f,n./le +e/*9 where/ *he +e/* a /ee*ra*e+ fro *he hel+ :ro:er* .f .* .s no* re:a.+)

Han/al. A :awne+ o/4e* .s a :ro:er* ,se+ as .ns,for a +e/*9 so *ha* *he +e/* a /e e*ra*e+ fro *h:ro:er* .f .* .s no* :oss./le *o reolle* fro *he +e/

Mal.0. I* .s *he a* of *a0.n a al,e+ :ro:er* froowner9 as a eans of .ns,r.n a loan *ha* has a*,r.s a/o,* *o a*,re)


10/22

2283


11/22

The :ra*.e ofRahn.s leal.Je+ *hro,h *a,*hor.*.es of ,ran9 ,nnah as well as *heonsens,s rear+s .* as :er.ss./le) Fro,ran> 2283 - If o, are on a 4o,rne an+anno* ;n+ a sr./e9 *hen ,se *he ree.:* o

:awne+ o/4e*s) ,nnah - narra*e+ / Al-B,0har. on *he a,*hor.* of A.shah *ha* KTh!ro:he* :/,h /o,h* soe foo+ fro a (ean+ he :awne+ h.s .ron sh.el+ w.*h h.)


12/22

!awn /ro0.n /,s.ness was .n*ro+,e+ .n Malas.an earl en*,r

The onen*.onal :awn /ro0.n ss*e .s :o:,lar for ,.0

/orrow.ns) Mos*l / low .noe earners .n r,ral areas) The +owns.+e of onen*.onal :awn /ro0.n ser.e-h.h .n

hares an+ ,nfa.r :ra*.es

To hel: *he so.e*9 an al*erna*.e :awn.n ss*e or Ar-ra.n*ro+,e+ an+ ree.e+ eno,ra.n res:onse)


13/22

Al-Rahnu (Islamic pawn b

1. Provide immediate financing to assist individual i

cash flow needs through methods which are consthe Shariah regulation.

2. Pawning contract is voluntary charitable contract

3. Parties in contract

Pledger (rahin)! "awn bro#er (murtahin)! "ledg

(rahn)

$. %f "ledger does not re"ay qard hasanloan within a

"awn bro#er can auction off "ledged asset


14/22

ILAMI %NTRAT AND %N=!T

AR-RAHN - :ossess.ons oere+ as se,r.* for a +e/* so *ha* *he +e/* w.fro .* .n ase *he +e/*or fa.le+ *o :a /a0 *he +,e one)

AL-EADIAH - ,s*oers w.ll +e:os.* one .n *he /an0 for safe0ee:.n:,r:oses an+ *he /an0 ,aran*ees *he ref,n+ of *he one) The /anrewar+ *he ,s*oers .n *he for of h./ah .f*)

AL-UJRAH - U4rah an /e +e;ne+ as ;nan.al :aen* for *he ,*.l.Ja*.on ser.es or ,s,fr,*9 .* an /e .n *he for of salar9 wae9 allowaneo.ss.on an+ *he l.0e)

ARDH HAAN - *he /orrower onl *o :a *he ao,n* /orrowe+)


15/22

Islamicpawnbroker

Customer

2. Qard hasan

loan

Repa !ard hasanloan

". #led$easset

%. Custodial &eeunder wadi'ahyad-amanah

Return pled$edasset

Mechanisms ofAl-Rahn


16/22

L=GAL D%UM=NTATI%N ANIU=

=en* of Re:aen*

=en* of Re+e:*.on

=en* of Defa,l*

=en* of Reoer

=en* of A,*.on


17/22

GUID=LIN=

1) !awn/ro0ers A* 1C72 wh.h re,la*es *he :awn/ro0.a*..* .n Malas.a>

2) Goo+s an+ er.es Ta GT ,.+el.nes wh.h :ro.+,.+el.nes on .*es *ha* s,/4e* .n*o *aa*.on>

3) Deelo:en* F.nan.al Ins*.*,*.on A* 2""2 wh.h s:e

:ro.s.ons for *he re,la*.on an+ s,:er.s.on of +eelo;nan.al .ns*.*,*.ons an+ for a**ers onne*e+ *herewan+

#) oo:era*.es so.e*.es a* 1CC3 wh.h o,*l.ne *he re,on oo:era*.es)


18/22

It pro'ides a cheaper wa to obtain (nancin$ and is&rom interest

Assets pawned are $uaranteed to be kept sa&el

)here is a &air practice in auctionin$ and biddin$

Helps (nance educational needs and pro'ides capit

small businesses and entrepreneurs Help the communit to increase economic capabilit

their &amilies

Advantages


19/22

DIFF=R=N= B=TE==N AR RAHN A!AENBR%'ING

PRINCIPLES AR RAHN PAWNBROKI

%EN=RHI! - M,s* :ro.+e :roof of ownersh.: e.*her

*hro,h *he le**er of :,rhaseree.:* or-le**er of ,n+er*a0.n

- If .* /elons *o soeone else9 a le**er ofonsen* a::roal fro *he owner .s re,.re+

-no* re,.re+ *

of ownersh.:

!awn.n al,e - U: *o 6" - 7" of *he al,e of :awne+ol+

-


20/22

PRINCIPLES

AR RAHN PAWNBROKING

%:era*or - Ins*.*,*.ons /ase e /an0s9 o-or:era*.es9$A!I=M9 s*a*e oernen* aen.es)

- ole :ro:r.e*or

- In+..+,al /ase+

hares -

Mon*hl safe0ee:.n hares- No .n*eres* hare

- hea:er

-In*eres* .s har

- More e:ens.e

Ins,rane - Ta0af,l oerae - No* oere+

- If *he :le+e+ .*onl a 25 o

oere+I*es - %nl :,re ol+ ae:*e+

- %rnaen*e+ es*ones on ol+ .*e w.llno* /e al,e+

- Gol+ :la*e+ .*es are nor ae:*a/le

- !o,n+ ol+ an+ wh.*e ol+ no* ae:*e+

- An al,a/le .*e


21/22

*+ample, Ar-Rahn certi(cate


22/22

The e*ho+ of olle*.n *he +a*a was /+.s*r./,*.n *he ,es*.onna.res ran+ol*o *he res:on+en*s an+ .n*er.ew)

B ,s.n *he Statistical Package for SocialScience ! )1C *he ,es*.onna.res

w.ll /e olle*e+ There are ;e fa*ors *o /e ea.nes

wh.h nael as ,sl. an+ non ,sl.9leel of awareness9 .noe9 4o/ so:e an+sol,*.on)

Documents

The Awareness of Ar-Rahn