STATUS EMAS SEBAGAI ALAT TUKAR ATAU KOMODISTAS DALAM AKAD MUDHARABAH DEPOSITO SYARIAH

Authors

  • Muhamad Shodaqta Ian Syahputra UIN Raden Mas Said
  • Muh Nashirudin UIN Raden Mas Said
  • Masrofi Bahrul Ulum UIN Raden Mas Said

DOI:

https://doi.org/10.24252/iqtishaduna.v6i4.57606

Abstract

Abstrak

Penelitian ini mengkaji status hukum emas sebagai modal dalam akad mudharabah pada produk deposito syariah, dengan fokus perdebatan emas sebagai alat tukar dan emas sebagai komoditas untuk modal yang dikarenakan berubahnya fungsi emas dalam ekonomi modern sehingga timbul ketidak jelasan didalamnya. Metode yang digunakan adalah pendekatan kualitatif normatif dengan analisis yuridis dan konseptual berdasarkan kitab-kitab fikih klasik, jurnal-jurnal terkait, fatwa DSN-MUI No. 77/2010, dan AAOIFI Shari’ah Standard No. 57. Hasil penelitian menunjukkan bahwa emas hanya sah dijadikan modal mudharabah jika diperlakukan sebagai komoditas dengan nilai awal harus ditetapkan, kepemilikan dijamin, dan bagi hasil transparan. Sebaliknya, jika emas dipandang sebagai uang, maka wajib dijual (sarf) menjadi tunai sebelum digunakan dalam akad. Temuan ini menegaskan bahwa produk deposito mudharabah berbasis emas dapat memenuhi prinsip syariah bebas riba dan gharar dengan rancangan akad dan mekanisme operasional yang sesuai.

Kata Kunci: Emas, Alat Tukar, Komoditas, Deposito, Mudharabah.

 

Abstract

This study examines the legal status of gold as capital in the mudharabah contract on sharia deposit products, focusing on the debate on gold as a medium of exchange and gold as a commodity for capital due to the changing function of gold in the modern economy, resulting in ambiguity in it. The method used is a qualitative normative approach with legal and conceptual analysis based on classical fiqh books, related journals, DSN-MUI fatwa No. 77/2010, and AAOIFI Shari'ah Standard No. 57. The results of the study indicate that gold is only valid as mudharabah capital if it is treated as a commodity with an initial value that must be determined, ownership guaranteed, and transparent profit sharing. Conversely, if gold is viewed as money, it must be sold (ṣarf) into cash before being used in the contract. This finding confirms that gold-based mudharabah deposit products can meet the sharia principles of being free from usury and gharar with appropriate contract designs and operational mechanisms.

Keywords: Gold,Medium of Exchange, Commodity, Deposit, Mudharabah.

Downloads

Published

2025-07-23

Issue

Vol. 6 No. 4 (2025): Juli

Section

Volume 6 Nomor 4 Juli 2025

License

Copyright (c) 2025 Muhamad Syahputra, Muh Nashirudin, Masrofi Bahrul Ulum

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Once an article was published in the journal, the author(s) are:

  • to retain copyright and grant to the journal right licensed under Creative Commons License Attribution that allows others to share the work with an acknowledgement of the work's authorship.
  • permitted to publish their work online in third parties as it can lead wider dissemination of the work, with an acknowledgement of its initial publication in this journal
  • continue to be the copyright owner and allow the journal to publish the article with the CC BY-NC-SA license
  • receiving a DOI (Digital Object Identifier) of the work.