Persepsi masyarakat terhadap pajak gadai Islam (Ar Rahnu): Society perception of Islamic pawnbroking (Ar Rahnu)

Nur Hidayatul Solehah Osman; Salbiah Nur Shahrul Azmi; Nazimah Hussin; Rohaida Basiruddin; Azman Hashim

doi:10.33102/jmifr.v17i1.261

Authors

Nur Hidayatul Solehah Osman Kolej Universiti Islam Melaka, Batu 28, 78200 Kuala Sungai Baru, Melaka, Malaysia
Salbiah Nur Shahrul Azmi Kolej Universiti Islam Melaka, Batu 28, 78200 Kuala Sungai Baru, Melaka, Malaysia
Nazimah Hussin Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor
Rohaida Basiruddin Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor
Azman Hashim Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor

DOI:

https://doi.org/10.33102/jmifr.v17i1.261

Keywords:

Pajak gadai Islam, Ar Rahnu, Caj upah simpan, Proses pinjaman mudah, Persepsi

Abstract

Pajak gadai Islam merupakan pembiayaan Islam yang terbaik kerana mensyaratkan gadaian sebagai aset pendasar. Namun, masih terdapat segelintir masyarakat yang masih ragu-ragu dengan perkhidmatan yang ditawarkan institusi pajak gadai Islam berbanding pajak gadai konvensional. Walaupun mempunyai kelebihan dari segi caj upah simpan yang rendah serta proses pinjaman yang mudah, penyedia perkhidmatan perlu mengambil kira dua aspek ini sebagai cabaran mereka dalam memastikan kestabilan institusi dalam menawarkan perkhidmatan ini. Justeru, kajian ini bertujuan mengenalpasti faktor caj upah simpan dan proses pinjaman mudah dalam mempengaruhi persepsi masyarakat terhadap pajak gadai Islam. Kajian yang memfokuskan kepada staf akademik KUIM sebagai responden ini bersifat kuantitatif dan menggunakan analisis regrasi serta korelasi bagi melihat perkaitan hubungan antara pemboleh ubah. Kajian ini dapat membantu pengkaji lain dalam mengatasi masalah kekangan sumber kajian dalam bidang ini.

Islamic pawnbroking is the best Islamic financing instrument as they require mortgages as a basic asset. However, there are still some people who are still skeptical of the services offered by Islamic pawnbroking institutions as opposed to conventional pawnbroking. Despite the advantages of low safekeeping fee and easy lending processes, service providers need to consider these two aspects as their challenge in ensuring the institution's stability in offering these services. Therefore, this study aims to identify the factors of safekeeping fee and the ease of lending in influencing people's perception of Islamic pawnbroking. Focused on KUIM's academic staff as respondents, this paper uses a quantitative study through regression and correlation analysis to observe the relationship between the variables. This study would be helpful in filling the gap in the field.

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Author Biographies

Nur Hidayatul Solehah Osman, Kolej Universiti Islam Melaka, Batu 28, 78200 Kuala Sungai Baru, Melaka, Malaysia

Salbiah Nur Shahrul Azmi, Kolej Universiti Islam Melaka, Batu 28, 78200 Kuala Sungai Baru, Melaka, Malaysia

Nazimah Hussin, Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor

Rohaida Basiruddin, Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor

Azman Hashim, Universiti Teknologi Malaysia, Jalan Iman, 81310 Skudai, Johor

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