ANALISA MANFAAT PEMBIAYAAN GADAI EMAS SYARIAH: STUDI KASUS BANK SYARIAH MANDIRI-TOMANG RAYA
DOI:
https://doi.org/10.12928/j.reksa.v8i1.3698Keywords:
Rahn, Islamic Bank, Financing, Customers CharacteristicsAbstract
One of the superior products that distinguish between Islamic banks and conventional banks is Rahn or a pawn. However, these products are not owned by all Islamic banks. Furthermore, one of the sharia banks that have gold Rahn products or sharia gold pawn financing is Bank Syariah Mandiri (BSM), where BSM is also the largest Islamic bank with assets in Indonesia. This study aims to analyze the use of Islamic bank gold pawn financing for the community. The method used is a qualitative descriptive method with primary data. The sample used is customers of the BSM Tomang Raya Branch who have gold pawn financing facilities, amounting to 30 customers. The research questions are (i) What are the characteristics of the customers of sharia gold pawn financing;(ii) How is the use of Islamic gold pawn financing. The results of the research show that the majority of the age range of customers for sharia gold pawn financing is productive age (30-49 years), the majority of the sexes are women, the occupation of the majority of customers is private employees, the majority of customers› income is> IDR 5,000,000 per month. , the majority of customer education is S-1 and the religion of the majority of customers is Muslim. In addition, the use of borrowed money from sharia gold pawn financing is intended for consumer needs.
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Alam Choudhury, M. and Nurul Alam, M. (2013) ‘Corporate governance in Islamic perspective’, International Journal of Islamic and Middle Eastern Finance and Management, 6(3), pp. 180–199. doi: 10.1108/IMEFM-10-2012-0101.
Deloof, M. (2003) ‘Does working capital management affect profitability of Belgian firms?’, Journal of Business Finance and Accounting, 30(3–4), pp. 573–588. doi: 10.1111/1468-5957.00008.
Dien, M. I. (1997) ‘Islam and the environment: Theory and practice’, Journal of Beliefs and Values, 18(1), pp. 47–57. doi: 10.1080/1361767970180106.
Hamza, H. (2013) ‘Sharia governance in Islamic banks: effectiveness and supervision model’, International Journal of Islamic and Middle Eastern Finance and Management, 6(3), pp. 226–237. doi: 10.1108/IMEFM-02-2013-0021.
Hanum, S. L. (2017) ‘Peran Ibu Rumah Tangga dalam Membangun Kesejahteraan Keluarga’, Journal of Multidisciplinary Studies, 5(2), pp. 1–9.
Hasan, R. B., Mikail, S. A. and Arifin, M. (2011) ‘Historical development of Islamic venture capital: An appraisal’, Journal of Applied Sciences Research, 7(SPECIAL ISSUE), pp. 2377–2384.
Ihwanudin, N. et al. (2020) Pengantar Perbankan Syariah (Konsep, Regulasi & Praktis). Widina Bhakti Persada Bandung. Available at: www.penerbitwidina.com (Accessed: 30 October 2020).
Ltifi, M. et al. (2016) ‘The determinants of the choice of Islamic banks in Tunisia’, International Journal of Bank Marketing, 34(5), pp. 710–730. doi: 10.1108/IJBM-11-2014-0170.
Masyita, D. (2015) ‘Why do people see a financial system as a whole very important?’, Journal of Islamic Monetary Economics and Finance, 1(1), pp. 79–106.
Nugraha, E. et al. (2020) ‘Maqashid Sharia Implementation in Indonesia and Bahrain’, Etikonomi, 19(1), pp. 155–168. doi: 10.15408/etk.v19i1.14655.
Nugroho, L. (2020) ‘Konsep Ekonomi dan Perbankan dalam Islam’, in Pengantar Perbankan Syariah. 1st edn. Widina Bhakti Persada bandung, pp. 1–26. doi: 10.1017/CBO9781107415324.004.
Nugroho, L., Meiwanto Doktoralina, C., et al. (2020) ‘Microeconomics and Tawhid String Relation Concept (TSR)’, International Journal of Economics and Business Administration (IJEBA), 8(3), pp. 293–306. doi: 10.35808/ijeba/516.
Nugroho, L., Badawi, A., et al. (2020) ‘Snapshot in Customer Deposit of Islamic Bank Religion, Age, and Gender as The Reflection of Pancasila Five Principles of Indonesia Nation’, Journal of Research in Business, 5(1), pp. 74–95. doi: 10.35333/JRB.2020.177.
Nugroho, L. and Husnadi, T. C. (2014) ‘State-Owned Islamic Bank (BUMN) in Realizing The Benefit of Ummah (Maslahah) and Indonesia as Islamic Financial Center in The World’, in 11th International Research Conference on Quality, Innovation and Knowledge Management. Bandung, p. 20.
Nugroho, L., Nugraha, E. and Badawi, A. (2020) ‘Sustainable Finance Portfolio Analysis in Islamic Bank (Segment Perspective)’, International Journal of Commerce and Finance, 6(2), pp. 226–240.
Nugroho, L. and Tamala, D. (2018) ‘Persepsi pengusaha umkm terhadap peran bank syariah’, Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), pp. 49–62.
Nugroho, L., Utami, W. and Doktoralina, C. M. (2019) ‘Ekosistem Bisnis Wisata Halal dalam Perspektif Maqasid Syariah’, Perisai : Islamic Banking and Finance Journal, 3(2), pp. 84–92. doi: 10.21070/perisai.v3i2.1964.
Rijamampianina, R., February, Y. and Abratt, R. (2003) ‘A framework for concentric diversification through sustainable competitive advantage’, Management Decision, 41(4), pp. 362–371. doi: 10.1108/00251740310468031.
Rosyadi, M. I., Sasongko and Hoetoro, A. (2016) ‘Willingness to Pay Rumah Tangga dalam Membayar Biaya Pendidikan Menengah Unggulan di Kota Malang’, Jurnal Pendidikan Progresif, 6(2), pp. 129–140. doi: 10.16285/j.rsm.2007.10.006.
Sari, R. L., Mandey, S. and Soegoto, A. S. (2014) ‘Citra Merek, Harga Dan Promosi Pengaruhnya Terhadap Keputusan Pembelian Perhiasan Emas Pada PT. Pegadaian (Persero) Cabang Manado Utara’, Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 2(2), pp. 1222–1232.
Soekapdjo, S. et al. (2018) ‘Bad Debt Issues in Islamic Bank: Macro and Micro Influencing (Indonesia Cases)’, International Journal of Commerce and Finance, 4(1), pp. 10–26.
Soekapdjo, S., Tribudhi, D. A. and Nugroho, L. (2019) ‘Pengaruh Fundamental Ekonomi dan Kinerja Keuangan Terhadap Kredit Bermasalah Pada Bank Syariah Di Indonesia’, Ekonika : Jurnal ekonomi universitas kadiri, 4(2), p. 126. doi: 10.30737/ekonika.v4i2.327.
Sudarsono, H. (2009) ‘Dampak Krisis Keuangan Global terhadap Perbankan di Indonesia: Perbandingan antara Bank Konvensional dan Bank Syariah’, La_Riba, 3(1), pp. 12–23. doi: 10.20885/lariba.vol3.iss1.art2.
Sudirman, A. (Acai ) et al. (2020) Perilaku Konsumen Dan Perkembangannya Di Era Digital. Widina Bhakti Persada Bandung. Available at: www.penerbitwidina.com (Accessed: 30 October 2020).
Triyuwono, I. (2016) ‘Contemporary issues in management’, Pertanika Journal Of Social Science And Humanities, 24, pp. 89–103. doi: 10.26524/jms.2013.62.
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