Sharia Pawnshop Research Articles

Comparative Analysis Between Sharia Pawnshops and Conventional Pawnshops in The Economic Empowerment of Indonesian Communities

Sharia Pawnshops and Conventional Pawnshops are two financial entities that play an important role in strengthening the empowerment of Indonesian society. For years, they have been offering credit services with the aim of improving people's financial situations. However, the two institutions operate using different principles and methodologies. The aim of this scientific work is to analyze and then determine which one is more empowering to the community, between conventional pawnshops and sharia pawnshops. This research is included in qualitative research, with data sources containing all material that can be used as a guideline for research emphasis, namely the comparison between sharia pawnshops and conventional pawnshops in empowering Indonesian society. Sharia pawnshops play a bigger and more effective role in empowering the community, especially by providing financial products based on Islamic sharia principles. Sharia pawnshops prohibit all types of interest and focus on contract terms, honesty and security required in buying and selling transactions based on Islamic law.

Is Sharia Pawnshop being important for Indonesian society: Quadruple Helix Analysis

<em>The development of sharia pawning is very rapid, viewed from the large number of branch offices opening due to the increasing transactions throughout Indonesia. The problem is the existence of Sharia pawning as driven by the socio-cultural conditions of society. The form of research used is normative juridical with a descriptive-analytical approach. The legal sources used are obtained from primary and secondary sources and use interdisciplinary studies in analyzing problems in Sharia pawning. This research aims to understand the existence of sharia pawning in Indonesia. In this research, the existence and position of Sharia pawn in improving lower middle-class society and MSMEs. The conclusions of this research show that the existence and position of Sharia pawning have shifted conventional pawning due to the increase in public trust in non-interest pawning and excellent service from these non-bank financial institutions in the eyes of the public, tiny and medium businesses. The use of four pillars - academics, business, government, and society - can further maximize the potential and increase the performance of this Sharia pawn in Indonesia.</em>

Tinjauan Fikih Muamalah Tentang Penetapan Mu`Nah (Biaya Pemeliharaan Barang Gadai) pada Produk Arrum BPKB bagi UMKM di Pegadaian Syariah Kramat Raya Jakarta Pusat

Based on the existence of a sharia pawnshop product called ARRUM BPKB which is specifically intended for UMKM (Usaha Mikro, Kecil dan menengah/Micro, Small and Medium Enterprises) who need additional capital. However, in the pawning process, the customer must pay the maintenance fee for the pawned goods or what is called mu'nah. Because of this additional cost in the process of maintaining the pawn item, there is an opinion that says that the additional maintenance costs contain riba. Therefore, the aims of this study is to find out how the determination of mu'nah (maintenance costs for pawn items) and the suitability of the determination of mu'nah based on Fiqh Muamalat. This research is Qualitative research with the type of case study. In this research, the analysis of various factors related to this problem was carried out. This research used an approach through observation to Pegadaian Syariah Kramat Raya, Central Jakarta. The primary sources in this study is the data collected by researchers from Sharia pawnshops, such as documents and interviews, while secondary sources in this study is relevant literature. The results of this study indicate, 1) the determination of mu'nah on ARRUM BPKB products in sharia pawnshops is by considering the risk amount of the guarantee itself. 2) Mu'nah determination on BPKB ARRUM products for UMKMs in Sharia Pawnshops is in accordance with Fikih Muamalah and Fatwa Number 92 / DSN-MUI / IV / 2014 regarding accompanied financing (Rahn Al-Tamwil Al-Mautsuq bi Al-Rahn) that mentions mu ' nah (maintenance or guarding services) for marhun, the amount of which must be determined at the time of the contract as referred to as ujrah in the ijârah contract.

STUDY OF PERCEPTION PUBLIC AT SYSTEM PAWNSHOP SYARIAH BRANCH TANJUNG MARKET IN JEMBER

The financial instution is delived into, namely bank financial instutions and non-bank financial instutions. One of the non-bank financial instutions is instution in the form of public company (perum). The background of this research is to know the views and perceptions of the society to the pawnshops of sharia branch tanjubg marketin Jember as well as the factors that determine the community to choose pawnshops as one source to abtain funds. The problem in this research is how is the society perception of sharia pawn system in pasar tanjung and to know what are the factors that determine the people prefer anh how sharia pawnshops in running the system and whether people understand about how the system implemented by pawnshop sharia. In this research descriptive in the form of field research Descriptive method is a method in examining the status of a group of people, an object, a condition, a system of thought or an event in the present. The purpose of this descriptive research of sharia pawn system. The results of research that has been done shows that the community is very supportive of sharia pawnshops, with sharia pawnshops can help the community down in obtaining funds quickly easil, greatly assist the community in its financial problems to meet their needs but the lack of socialization conducted by pawnshops sharia making people who pawned gold or other goods made ignorance and lack of understanding of the system and akad used by sharia pawnshops, this resulted in 100% of respondents experiencing a lack of understanding of the system, products and contracts implemented by the sharia pawnshops. Keywords: Perception, Society, System Pawn Shop Sharia

Analisis Komparatif Kualitas Pelayanan pada Nasabah Pengguna Aplikasi Pegadaian Syariah Digital dan Manual: Studi Kasus Pegadaian Syariah Cabang Kusumanegara

The background of the problem of this research is a comparison of the quality of service received by customers using the Pegadaian Syariah Digital application and manually at Pegadaian Syariah Kusumanegara Branch Yogyakarta. Customers predominantly use the manual system rather than using the Pegadaian Syariah Digital application, because the system often errors and transaction failures occur. The Pegadaian Syariah Digital application is expected to help customers make smartphone transactions without having to make transactions manually. With this Digital Sharia Pegadaian application, it can meet the needs of customers when transacting without directly attending the Sharia Pegadaian and this application has various features that will be selected when transacting. The formulation of the problem of this study is whether there are differences in service quality for customers using digital and manual sharia pawnshop applications. This research is quantitative research, this type of research is also comparative analysis research, the data source used is primary data. The data collection technique used is a questionnaire with a total sample size of 100 samples which are divided into 50 samples for digital sharia pawnshops and 50 samples for manual ones. The analysis techniques used are validity test, reliability test, mann whitney test, and homogeneity test. The results obtained in this study indicate that there is no significant difference between digital and manual pawnshops.

Effectiveness of Digital Sharia Pawnshop Services in Increasing The Number of Customers Pegadaian Syariah

Technology continues to develop, this is proven by technological advances in the form of applications and online transactions. However, not all technology provides convenience and has a positive impact on its users if not handled properly. Therefore, this thesis aims to reveal the effectiveness of the online services provided by Pegadaian Syariah Siringo-ringo through the Pegadaian Syariah Digital Service (PSDS) Application Service in increasing the number of customers. The background to the problem in this research is that errors often occur in applications and services that do not comply with procedures. The data collection method uses qualitative methods with observation, interviews and documentation.The research results show that this application is largely operating according to its intended use, although it is not yet fully effective in facilitating transactions. This application is not really effective in increasing the number of customers because customers still have minimal knowledge regarding the function of this application. Then the increase in the number of customers did not increase too much, but there continued to be an increase every year, be it gold savings customers, pawnshops, etc.

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP KREDIT USAHA RAKYAT (KUR) SYARIAH PADA PEGADAIAN SYARIAH CABANG PASAR RENTENG PRAYA LOMBOK TENGAH

UMKM have great potential in economic development in Indonesia. However, there are still many UMKM sectors that face problems in developing their businesses, namely limited financial problems in obtaining additional capital. Currently, many financial services offer capital loans, one of which is the Renteng Sharia Pawnshop institution which distributes Super Micro People's Business Credit (KUR). Because the distribution of Super Micro KUR has only just begun to be distributed, it is necessary to examine everything related to distribution practices, namely the process/procedures, terms, contracts, conditions and whether the problem resolution process is in accordance with the economic system in sharia economic law. This research uses a field/empirical approach with qualitative research methods that describe the objects or subjects studied in depth using empirical evidence obtained through interviews, observation, documentation of reality in the field. The research results show that credit in Islam is permissible because originally there was no text that forbade it. Most scholars say yes. The distribution of Super Micro KUR at Renteng Syariah Pegadaian does not contain anything that is detrimental to both parties and is in accordance with sharia economic law because it has implemented the principles of justice ('adl), balance (tawazun), benefit (maslahah), and does not contain elements of gharar (vagueness/obscurity). vaguely, maysir (gambling), usury, dzulm (tyranny), risywah (bribery), and other haram objects.

Study Of Perception Public At System Pawnshop Syariah Branch Tanjung Market In Jember Yani Dahliani1, Yuniorita Indah Handayani 2,Helmi Agus Salim 3, etc Author Affiliation1, Author Affiliation2, Author Affiliation3, etc Email: yani@itsm.ac.id, yuniorit

The financial instution is delived into, namely bank financial instutions and non-bank financial instutions. One of the non-bank financial instutions is instution in the form of public company (perum). The background of this research is to know the views and perceptions of the society to the pawnshops of sharia branch tanjubg marketin Jember as well as the factors that determine the community to choose pawnshops as one source to abtain funds. The problem in this research is how is the society perception of sharia pawn system in pasar tanjung and to know what are the factors that determine the people prefer anh how sharia pawnshops in running the system and whether people understand about how the system implemented by pawnshop sharia.The purpose of this descriptive research of sharia pawn system. The results of research that has been done shows that the community is very supportive of sharia pawnshops, with sharia pawnshops can help the community down in obtaining funds quickly easil, greatly assist the community in its financial problems to meet their needs but the lack of socialization conducted by pawnshops sharia making people who pawned gold or other goods made ignorance and lack of understanding of the system and akad used by sharia pawnshops, this resulted in 100% of respondents experiencing a lack of understanding of the system, products and contracts implemented by the sharia pawnshops.

Analisis Strategi Pemasaran Syariah Produk Gadai Emas (Rahn) di Pegadaian Syariah

This research discusses the Analysis of Sharia Marketing Strategy for Gold Pawn Products (Rahn) at Sharia Pawnshops. Studies at the Pawnshop Sharia Service Unit Simpang Mayang Jambi. The aim of this research is to describe how marketing is carried out at Pegdaian Syariah Simpang Mayang, Jambi City, seen from the Sharia Marketing Indicators and what the obstacles are in marketing its products, especially Gadai Syariah (Rahn) products. This research is field research using descriptive qualitative methods. Data collection involves observation, interviews and documentation. Test the validity of this research using triangulation techniques. The subjects in this research were employees or marketers of Pegadaian Syariah Simpang Mayang, Jambi City and customers, with three employee informants and three customer informants. The results of this research indicate that marketers at the Simpang Mayang Syariah Pegadaian, Jambi City do not fully meet the characteristics of a sharia marketer. It can be seen from the Four Sharia Marketing Indicators that have not been fully implemented. There are 4 Marketing Indicators in Sharia Marketing. Of the 4 (Four) marketing indicators, only Ethical (akhlaqiyah) and Realistic (al-waqi'iyyah) have been fully implemented, while Theistic (rabbaniyah) and Humanistic (al-insaniyyah) have not been fully implemented. . There are obstacles for the Sharia Pawnshop Unit Simpang Mayang Jambi City in marketing its products, especially Sharia Pawnshop (Rahn) products. Such as trust from customers, the double duty of each employee and competition from other financial institutions.

Sharia Governance Analysis on Microfinance Arrum BPKB at Branch Pegadaian Syariah Blauran Surabaya City

This study tried to see (1). How the Pegadaian Syariah Branch Blauran Surabaya City conductsmicrofinancing Arrum BPKB. (2). How the Sharia Pegadaian Branch Blauran Surabaya City implements Sharia Governance in Arrum BPKB microfinancing . This type of research combines qualitative methodology with field research. Interviews, observations, recordings, note-taking, and documentation are used to collect data. The informants in this study are leaders, micro staff and microfinance customers. The research findings show, (1). The practiceof microfinancing Arrum BPKB at Pegadaian Syariah Branch Blauran is line with guidelines fatwa number 25/DSN-MUI/III/2002 concerning Rahn, and fatwa nomor 68/DSN-MUI/III/2008 concerning Rahn Tasjily. Meanwhile, microfinance using Arrum BPKB is carried out using two contracts, namely: the Rahn contract as a contract to hold marhun and Ijarah as a contract to obtain rental fees for marhun savings services. There are three mechanisms in financing Arrum BPKB including, a. Stages of applying for financing, b. Stages of financing decisions, c. Stages after financing. (2) . Arrum BPKB at Pegadaian Syariah Branch Blauran financing starts from the stages of applying for financing, financing decisions and after financing there is conformity with Sharia Governance which consists of five principles, namely: the principle of transparency, the principle of accountability, the principle of responsibility, the principle of independence and the principle of justice.
 Keywords: Sharia governance, Microfinance, Arrum BPKB, and Sharia Pawnshop.

The Role of Sharia Pawnshop in Supporting The Growth of The Halal Industry: Opportunities and Challenges

This research discusses the role of sharia pawnshops in supporting the strength of the Islamic financial ecosystem through the halal industry. The halal industry continues to develop rapidly in this era so the role of sharia pawnshop is not overlooked in its development. This research uses a qualitative research method that uses a descriptive analysis approach that uses various sources regarding the Sharia financial ecosystem, halal business, and the function of Sharia pawnshops in facilitating the Islamic financial ecosystem. This research explains that Sharia pawnshop can be a financial solution regarding limited capital and household economics. MSMEs are an indicator of contributing to GDP in countries that are experiencing difficulties with bank loans. Sharia pawnshop can provide capital loans with fairly easy conditions, one of which is the BPKB Ar-rum product. This research found that Sharia pawnshop has carried out a lot of promotion and education to increase public interest in Sharia pawnshop through offering benefits and in-depth understanding. This is proven by innovations in Sharia pawnshop products. Qardhul Hasan, ijarah, musyarakah, ba'i muqayyadah and murabahah-based financing in sharia procurement really supports the development of the halal industry.

Canvassing KUR Products At Sharia Pegadaian UPS RS. Suwondo Pati

Canvassing activities for KUR products at the Sharia pawnshop UPS RS. Suwondo Pati was carried out by Internship Students from the IAIN Kudus Sharia Banking study program, which is a Field Experience Practice activity for customers that focuses on canvassing KUR products in the Pati unit sharia pawnshops. This activity was divided into 3 stages, namely the first stage in the form of supervision of KUR products, the second stage in the form of implementation and the third stage in the form of supervision carried out by students in marketing KUR products around the Pati area. With this activity, it is hoped that customers can understand KUR products at the UPS RS sharia pawn shop. Suwondo Pati and Through this canvassing activity, Pegadaian Syariah seeks to provide an in-depth explanation of the benefits and process of applying for KUR to prospective borrowers. In addition, by interacting directly, the sales and marketing of Pegadaian Syariah can better understand the needs and challenges faced by Micro, Small and Medium Enterprises, so that they can provide more targeted financial solutions.

The Effect of Arrum Product Financing on Profit Income

Arrum is a sharia loan scheme aimed at entrepreneurs with payments made in installments. Where the collateral that can be used is the Motor Vehicle Owner's Book (Buku Pemilik Kendaraan Bermotor/BPKB) for a car or motorbike, as well as gold. This research aims to examine the extent to which Arrum product financing influences profit generation at the Meulaboh branch of PT Pegadaian Syariah. The research method used in this research is a quantitative method. The type of data used in this research is secondary data. The population used in this research were customers of the Meulaboh branch of Pegadaian Syariah with a population of 250 people. Purposive sampling is the data collection method used in this research, namely 100 people. The analysis technique used in this research is regression analysis. The results of statistical research show that Arrum products have a positive and significant influence on profit generation at PT. Sharia Pawnshop Meulaboh Branch.

Analisis Persepsi Nasabah Terhadap Produk Gadai Emas Pada Pegadaian Syariah di Kota Langsa

Financing services with gold pawn contracts provided by the Sharia Pawnshop Unit continue to increase from year to year. People who take advantage of loan funds by pawning gold at Sharia Pegadaian are interesting to analyze. This study aims to analyze two things. First, what is the gold pawn product service process at Pegadaian Syariah West Langsa Unit? Second, what is the customer's perception of gold pawn financing services with the Rahn agreement at the West Langsa Sharia Pawnshop Unit (UPS)? The method used to collect data is through two techniques. Through interviews with three West Langsa UPS managers. Then data was obtained through a questionnaire with a purposive sampling technique from 50 UPS West Langsa customers. Next, the data was analyzed using a qualitative approach. The results of the research found two things: First, the service process and gold pawning practices at UPS Langsa Barat are in accordance with sharia principles and in line with maqashid sharia in the principles of ta'awun and safeguarding assets. Second, the public's perception of gold pawning products at UPS Langsa Barat states that gold pawning services and practices are stated to be based on sharia concepts. All customers who filled out the questionnaire 100% stated that UPS West Langsa's service was friendly with a location that was easy to reach, and 82% stated that the gold pawn product had implemented the ta'awun (please help) principle.

Analisis Minat Masyarakat dan Pendapatan Masyarakat terhadap Pegadaian Syariah

People with low incomes may see sharia pawnshops as a way to obtain additional funds by using their assets as collateral. In this case, their interest in using sharia pawnshops is related to increasing their income. Considering the importance of understanding people's interest and income towards sharia pawnshops, a comprehensive and in-depth analysis is needed. This research aims to analyze what factors influence people's interest in sharia pawnshops, as well as the relationship between people's income and interest in sharia pawnshops. The method used in this research is a literature review, namely a systematic, clear and repeatable identification method. The data source for this research uses secondary data in the form of literature studies by analyzing various reading materials related to people's income, people's interests, and sharia pawnshops.

Pengikatan Objek Jaminan Pada Akad Rahn Tasjily Tanah Di Pegadaian Syariah

The research aims to further analyze the implementation of rahn tasjily land pledge agreements in Sharia pawnshops, especially regarding the collateralization of the security object in rahn tasjily land pledge agreements. The analytical method used was normative juridical legal research through the statute approach (Government Regulation in Lieu of Law or Perppu) and the conceptual approach. The analysis results indicate that implementing rahn tasjily land pledge agreements at Sharia pawnshops begins with the submission of financing applications, a business feasibility analysis, and the collateralization process. The collateralization of the security object in rahn tasjily land pledge agreements involves imposing a mortgage right, with the process limited to the SKMHT stage. There is a contradiction between the SKMHT mentioned in the DSN-MUI fatwa on rahn tasjily pledge as collateral for financing settlement and the Mortgage Law, which states that SKMHT is only the authority to impose mortgage rights. SKMHT is not considered as collateral because it lacks guaranteeing power. Therefore, there is no binding security in rahn tasjily land pledge agreements at Sharia pawnshops.

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP MEKANISME PELAKSANAAN RAHN PADA PT PEGADAIAN SYARIAH MEUREUDU PIDIE JAYA

Sharia pawnshops are financial institutions whose operations adhere to the principles of sharia economic law, which aims to help government programs improve the welfare of the people, especially the lower middle class by providing the best financial solutions through the distribution of micro, small and medium scale loans on the basis of pawn law. In fact, products in sharia pawnshops have the character of not charging interest in various forms due to usury. However, recently pawnshops have also faced problems, including the public's perception that Sharia Pawnshops are the same as Conventional Pawnshops in their operations. Therefore, the aim of this research is to determine the mechanism for implementing and reviewing sharia economic law regarding the implementation of rahn at PT Pegadaian Syariah Unit Meureudu Pidie Jaya. In collecting data the author used observation and interview methods, the data analysis used used descriptive methods and the writing method used deductive methods. The results of this research show that the mechanism for implementing rahn at PT Pegadaian Syariah Unit Meureudu is generally in accordance with sharia economic law because it is in line with the rules set by the National Sharia Council in Fatwa No.25/DSN-MUI/III/2002 concerning rahn, and several other sources. However, there are several things that must be improved regarding transparency regarding objects that can be used as collateral, so that there is no longer a negative image of society towards sharia pawnshops.

What Determines the Interest in Investing to Gold Savings at Pegadaian Syariah?

Sharia pawnshops are a financial institution that plays an important role in society. One of the products offered is gold investment. This study examines the effect of knowledge and promotions mediated by motivation on interest in investing in gold in sharia pawnshops. The object of the study was carried out in Banda Aceh City with 100 respondents spread across 9 districts. Determination of respondents using purposive sampling technique and analyzed by path analysis model. The results found that there was a positive effect of knowledge and promotion on the motivation to invest in gold. Promotion and investment also have a positive effect on interest in investing in gold. Meanwhile, knowledge does not have a positive effect on interest in gold investment. Other results found that motivation is not able to mediate knowledge of interest in investing in gold. However, knowledge can be mediated by the motivation to invest gold in sharia pawnshops. So, sharia pawnshops must increase promotion and outreach to the community so that the gold investment products offered are increasingly in demand.

A Review of Customer Benefits and Satisfaction in Amanah Product of Pegadaian Syariah Makassar

This study aims to evaluate the benefits and satisfaction provided by Amanah Products at Pawnshop Syariah Makassar Branch. This article uses a qualitative research approach with a focus on descriptive analysis. The results of this study reveal that the Amanah Product at Pawnshop Syariah offers easy, structured, and inclusive requirements and procedures, facilitating various groups of individuals such as civil servants, employees, and micro entrepreneurs to obtain vehicle financing without difficulty. The transparent application process also assists customers in fulfilling their vehicle needs. The quality of service presented has met customer expectations. The professionalism shown by the employees of Pawnshop Syariah Makassar Central Branch also gives a positive impression to consumers. Overall, both aspects of the process, transparency, service, and professionalism at the Makassar Central Branch Sharia Pawnshop have met the standards of Islamic law.

PENGARUH KUALITAS LAYANAN PENGADAIAN SYARIAH TERHADAP LOYALITAS NASABAH DI KOTA MAKASSAR

Pegadaian Syariah is a formal financial institution in charge of distributing financing in the form of providing loan money to people in need, based on sharia pawning law, is something that needs to get a positive response. In sharia pawning, the most important thing is to keep away from the practices of usury, speculation and Gharar, which result in injustice and injustice to the community and customers. The purpose of this study is a type of quantitative research with the aim of knowing the effect of the quality of sharia pawnshop services on customer loyalty in the city of Makassar. This sample was taken from the customers of Pawnshop Syariah Central Makassar as many as 69 respondents. The type of data used in this study is quantitative data obtained from questionnaires distributed and associated with the problem under study. The research instrument used in this study used the Likert scale method. Based on the results of data research using statistical calculations through the application of the Statistical Package for the Social Science (SPSS) version 26. Based on the partial calculation results, the service quality variable is not significant to the customer loyalty variable, which is indicated by the value of 0.885 which is greater than 0.05 with the T test value showing 0.146. This means that the service quality variable has a positive but not significant effect on customer loyalty at Pegadaian Syariah Makassar City. The service at the Makassar Central Sharia Pawnshop is quite satisfactory even though it does not really affect customer loyalty, but is influenced by other variables.