Risiko Penggunaan Barang Selain Emas sebagai Aset Gadaian dalam Pembiayaan Ar Rahnu.

Ar-Rahnu based on micro-credit products were introduced to the community on the basis of providing financing to the poor or low-income people. However, institutions or banks offering ar-rahnu schemes limits the collateral on ar rahnu financing to only jewellery. The acceptance of the collateral assets on gold alone has led to difficulties for those who really need financial assistance on the other hand do not own the gold. This is different from Islam which allows any valuable item to be accepted as a mortgage financing. Therefore, this study examines the risks faced by ar rahnu providers if they allow the use of any asset other than gold as collateral asset in ar-rahnu financing. This study is a qualitative study using the content analysis as a data collection method. The data analysis method is a descriptive method. The study found that among the risks of using non-gold as collateral assetares the difficulty in assessing the quality and purity of the asset, the inevitability of the economic crisis and the decline in quality over time. The implication of the study is that the provider of ar rahnu should bear the risk of loss if they receives collateral asset other than gold in ar rahnu financing [ABSTRACT FROM AUTHOR]