Storage fee charged by Islamic banking is daily, monthly, and yearly by calculating a certain percentage on the value of the deceased but not on the loan amount. Applying a retention wage charge in context Rahn financing is considered a type of interest arising from loans.The difference between conventional pawnshops and ar-Rahnu lies in the loan agreement contract. For example, the conventional pawnshop system charges interest on the loan provided, which becomes a source of income for the lender, and this is considered riba (usury). In contrast, in the ar-Rahnu system, the loan provided does not incur any interest; instead, a service charge or safekeeping fee (ujrah) is imposed to cover the management costs incurred by the party operating ar-Rahnu. Although there is a fixed ujrah rate, the payment that is charged on the charge is the higher the amount of morhun, then the more high the amount of loan that will be obtained by the customer, and the consequences are that a larger amount of ujrah will be charged (Ahmad Faizal, Mohammad Hatta & Kamis, 2017). According to them, this practice is almost the same as loans given by conventional banks, where the higher the loan, the higher the bank's profit will be earned due to interest on the loan. Except the interest or charge earned reflects the true cost of the grantor, such loans, interest or charges are considered usury (AAOIFI 2015, Standard No. 9/1).
Prohibition of profiting from the contract loans is stated in the hadith that reads:
كل قرض جر نفعا فهو ربا
Meaning: Every loan that gives interest (to the creditor) is considered usury.
(Abu al-Jahmi, No.92; Al-Harith, Musnad al-Harith, No. 437; al-Daylami, al-Firdaus, No.4778)
Ujrah on the dead is not allowed from the Shariah point of view on the ground that the mortgagee is entitled to the actual costs but not payment. Imposing actual maintenance costs for the dead can be accepted based on the hadith collected by al-'Asqalani, which was reported from binammad bin Salamah in Jami, which reads:
إذا ارتهن شاة شرب المرتهن من لبنها بقدر علفها ، فإن استفضل من اللبن بعد ثمن العلف فهو ربا
Meaning: When a sheep has been pawned, the holder pawn can drink the milk just for the expenses of eating and drinking that have been issued for the animal. If the milk taken is more than the rate that has been spent, then it is usury
(Fath al-Bari, The book of al-Rahn, Chap al-rahn markub wa mahlub, No.144)
Based on the description above, it can be explained that the cost of care that must be reimbursed by the mortgagor cannot exceed the real cost issued by the mortgagee. This is because what is claimed from the mortgagor is a debt due to the holder; the mortgagee advances his money for the expenses of the mortgaged goods concerned. Therefore, it is very inappropriate for the mortgagee to demand more than the expenses he has incurred. Thus, the mortgagee can actually charge a fee or certain charges to the mortgagor. Fees or charges apply not actually as care wages or non-based wadi'ah concepts as implemented today; however, they are based on claims on all expenses that are issued by the mortgagee.