PENERIMAAN AR-RAHNU SEBAGAI ALTERNATIF PATUH SYARIAH: KAJIAN EMPIRIKAL DALAM KALANGAN WARGA FELDA KUBANG PASU, KEDAH, MALAYSIA

ACCEPTANCE OF AR-RAHNU AS A SHARIAH-COMPLIANT ALTERNATIVE: AN EMPIRICAL STUDY AMONG FELDA RESIDENTS IN KUBANG PASU, KEDAH, MALAYSIA

Abstract

Kajian ini bertujuan untuk menilai tahap penerimaan masyarakat Felda terhadap sistem Pajak Gadai Islam (Ar-Rahnu) dengan menumpukan kepada beberapa faktor utama seperti pengetahuan syariah, sistem harga, aset yang disandarkan, perkhidmatan dan layanan kakitangan, lokasi, serta pengiklanan. Menggunakan pendekatan kuantitatif, data dikumpulkan melalui soal selidik yang melibatkan 304 responden dari empat Felda di Kubang Pasu. Analisis deskriptif dan korelasi digunakan untuk mengenal pasti hubungan antara pembolehubah bebas dan penerimaan Ar-Rahnu. Hasil kajian menunjukkan bahawa sistem harga dan pengetahuan syariah adalah faktor yang paling dihargai oleh responden, diikuti aset yang disandarkan, perkhidmatan dan layanan kakitangan, lokasi, serta pengiklanan. Analisis korelasi mendapati hubungan signifikan antara penerimaan Ar-Rahnu dengan lokasi, pengiklanan serta perkhidmatan. Walau bagaimanapun, sistem harga dan aset yang disandarkan menunjukkan hubungan positif yang lebih lemah. Dapatan ini menegaskan bahawa penerimaan Ar-Rahnu dipengaruhi oleh kombinasi faktor intrinsik dan ekstrinsik. Kajian ini mencadangkan usaha penambahbaikan melalui promosi yang efektif, penekanan kepada lokasi strategik, serta peningkatan perkhidmatan pelanggan. Selain itu, usaha meningkatkan kefahaman masyarakat tentang manfaat syariah melalui program pendidikan dapat memperkukuhkan penerimaan Ar-Rahnu sebagai alternatif patuh Syariah kepada pajak gadai konvensional.

ABSTRACT 

This study aims to assess the level of acceptance of the Islamic pawn-broking system (Ar-Rahnu) among FELDA communities by focusing on several key factors, namely Shariah knowledge, pricing system, pledged assets, customer service, location, and advertising. Adopting a quantitative approach, data were collected through questionnaires involving 304 respondents from four FELDA settlements in Kubang Pasu. Descriptive and correlation analyses were employed to identify the relationships between the independent variables and the acceptance of Ar-Rahnu. The findings reveal that the pricing system and Shariah knowledge were the most highly valued factors among respondents, followed by pledged assets, customer service, location, and advertising. Correlation analysis indicated significant relationships between the acceptance of Ar-Rahnu and location, advertising and customer service. However, pricing and pledged assets exhibited weaker positive correlations. These findings underscore that the acceptance of Ar-Rahnu is influenced by a combination of intrinsic and extrinsic factors. The study recommends improvements through effective promotional strategies, strategic location planning, and enhanced customer service. Furthermore, efforts to increase public awareness of Shariah-compliant financial benefits through educational programs could further strengthen the acceptance of Ar-Rahnu as a viable Islamic alternative to conventional pawn-broking. 

Keywords: ar-Rahnu, Islamic pawn broking, acceptance, Felda, Kubang Pasu