Sharia Pawnshop Research Articles

Perkembangan Industri Keuangan Non-Bank Syariah dan Inovasi Service Excellent di Tengah Pandemi Covid-19

The purpose of this study was to determine development Sharia non-bank financial institutions (IKNB) during the COVID-19 pandemic as well as knowing form excellent service Sharia IKNB can do to meet the needs of customers or customers. Type of research is a literature study with a qualitative research nature. The source of the data used in this research is the data from the Financial Services Authority (OJK) and other data sources. Data collection techniques are form of documentation which is then processed by researchers. Data analysis technique used is descriptive qualitative. Results this study indicate development of Sharia IKNB in ​​period from October 2020 to April 2021, Sharia Insurance assets grew 6.26 percent, Pension Fund Institutions assets grew 17.79 percent, Sharia Microfinance Institutions assets grew 2.24 percent, Sharia Fintech Institution assets grew 85.54 percent. Meanwhile, Sharia Financing Institutions experienced a decrease in assets of -7.78 percent and Sharia Pawnshops experienced a decrease in assets of -6.95 percent. Excellent service Sharia IKNB can do during COVID-19 pandemic improving digital services, following applicable regulations, increasing attention and support for customers or customers, increasing partnerships with various parties.

Analisis Strategi Pemasaran Produk Amanah dalam Upaya Menarik Minat Nasabah pada PT. Pegadaian Syariah Cabang Gorontalo


 
 
 
 This research aims to find out how the Trusted Product Marketing Strategy in An Effort to Attract Customer Interest and to find out whether the marketing strategy implemented by the Gorontalo Branch Sharia Pawnshop can increase the number of customers. This type of research is field research with a qualitative approach. The data source in this study consists of primary and secondary data obtained from interviews with Managers and Employees at Gorontalo Branch Sharia Pawnshop, and documentation and sourced from literature research in the form of reading books and other sources relevant to this research. This study resulted in the following findings: First, the marketing strategy used by Gorontalo Branch Sharia Pawnshop using 4P strategies: Products, Price, Place, and Promotion. Second, the marketing strategy that has been carried out by Gorontalo Branch Sharia Pawnshop was able to attract customer interest and increase the number of customers. This is evidenced by the increase in the number of customers of trust products from 2016-2019.
 
 
 

Operasional Produk Investasi Emas Pada Pegadaian Syariah Ditinjau Dari Prinsip Ekonomi Islam

<p><em>Investment is one of the important instruments as collateral in the future for every human being. Pawnshop institutions are now growing rapidly can be an alternative for customers whowish to invest. The purpose of this study was to determine oprasional Gold Investment in Islamic pawnshop-related goals, mechanisms, customer requirements the applicant, term, collateral, benefits and fees charged to customers in terms of the applicant’s gold investment principles of Islamic economy in the form of fatwas and outlook muamalah fiqh. This study uses field research by visiting the direct object of study to obtain the required files through interviews, observation on operationality of Gold Investment. While the analysis is used to process the data that has been obtained is descriptive analysis to produce results. Results from this study is that Gold Investment to buy mortgage scheme on Islamic Pawnshop or Sharia Pawnshop has not fully correspond to some Fiqh Fatwa and Economic Islam Principles, that the clarity of the goods at the contract, which contains the value of speculative investments.</em></p>

Studi Literature General Issu Lembaga Keuangan Non Bank Syariah di Indonesia


 The development of Islamic non-bank financial institutions in Indonesia encourages the development of research on issues that develop in Islamic NBFIs. The literature study used to explore and describe the literature to answer research questions. By using the keyword "Islamic non-bank financial institutions" in the Publish or Perish program to help search the literature, found 30 articles with a search year spanning 2015-2021. The research data were analyzed in terms of content to group the data on certain themes. The research findings classify general issues related to Islamic NBFIs which consist of: Management, Understanding and introduction, Akad, Functions and Roles, Law, Principles, Norms, Accounting for Islamic NBFIs, Financial Performance, Financing and Operational Analysis, Opportunities and Challenges of Islamic NBFIs and Resources Humans in sharia NBFIs. Another important finding is that there are publications related to each type of Islamic non-bank financial institution. Where the theme of sharia insurance as the most researched theme with a total of 10,700 publications. Furthermore, the theme of Islamic LKM is in second place with the number of publications of 5,940 and followed by the theme of Sharia Pawnshops with the number of publications of 5,660. While other themes are still minimal in number of publications, thus providing space for future research to fill in the blanks on the themes offered.
 Keywords: General Issues, Sharia NBFIs, Literature Studies

PERKEMBANGAN KONSEP RAHN DALAM PEGADAIAN

The development of the Rahn Concept in Sharia Pawnshops in Indonesia is relevant for further research. With this study, it will be known how to analyze public interest in using Sharia Pawnshops. The aim of this research is to analyze the development of the concept of rahn in pawnshops. The research to be carried out is library research, namely by collecting data related to the themes discussed. Understanding Sharia Pawnshops In Arabic terms, pawns are termed rahn and can also be named al-hasbu. The amount of the loan is determined by the pawnshop, depending on the value and amount of the pawned goods. Etymologically, the meaning of rahn is permanent and long, while al- hasbu means the detention of an item with rights so that it can be used as payment for the item. The services and products offered by sharia pawnshops are: Providing loans or financing on the basis of the law of pawning, Providing loans or financing on the basis of the law of pawning, Custody of goods (ijarah), Gold counters. Many people who pawn their goods in the form of gold to be used as business capital in investing. The customer pays off the pawned goods according to the contract: full repayment, re-pawning, installments, or partial redemption.Keywords: Sharia Pawnshops, Public Interest, Sharia Pawnshop Products

Penerapan Prinsip Syariah pada Akad Rahn di Lembaga Pegadaian Syariah

Non-Bank Islamic Financial Institutions in Indonesia, one of which is the Sharia Pawnshop, to implement various kinds of products and contracts in carrying out their business activities, one of the products is the Rahn contract, the freedom to design the form of the contract will provide product diversity, however fiqh analysis is carried out to avoid things that are prohibited, considering that one of the rules in ushul fiqh is basically all transactions are allowed unless there is a clear argument forbidding it. Based on the pillars of Rahn's contract in practice, starting from marhun, marhun bih, shighah, and 'aqidaini, it is in accordance with sharia theory. Pawn as one of the categories of debt-receivable agreements, for a trust from the creditor, the debtor pledges the goods as collateral for the debt. The collateral remains the property of the person who pawned it, but is controlled by the recipient of the pledge.
 The results of this study show that in general the Sharia Pawn Sharing the Blessing of Samarinda has complied with the rules in rahn transactions. Pawn Sharia Sharing Blessings in other words using multiple contracts (al-uqud al-murakkabah). It is a hybrid contract (multi-contract), namely rahn (pawning), qardh (borrowing) and ijarah (rental) contracts. The second contract responds to the first contract, and the third contract completes the second contract where the perfection of the first contract depends on the perfection of the second and third contracts through a reciprocal process or one contract depends on another contract.
 Tthe auction system carried out by sharia pawnshops is in accordance with the DSN-MUI Fatwa No: 25/DSN-MUI/III/2002 concerning Rahn. Excess money from the auction after deducting loans and fees will be returned to the customer, while if there is still a shortage, it remains the customer's obligation to pay off. This is the beauty of Islam where loan settlement or repayment is carried out fairly

Strategi Pemasaran Produk Tabungan Emas Dalam Upaya Menarik Minat Nasabah pada Pegadaian Syariah Cabang Bogor Baru

This study aims to explain the marketing strategy in marketing the gold savings products found at Pegadaian Syariah Bogor Baru and how the right strategy is to attract customers to use the Gold Savings product. This research is a field research using a qualitative descriptive approach with primary and secondary data sources. In collecting data, researchers used interviews, observation and documentation techniques. The resource persons of this study were three employees of the Syariah Pawnshop Bogor Baru Branch and two customers of the Gold Savings product. The results of this study indicate that the application of marketing strategies provides services and information that is quite good for customers of gold savings products. From the aspect of the marketing mix contained in the branch office, such as; advertising, personal selling, sales promotion, publicity and direct marketing. Thus, the right strategy is to attract more customers by developing digital technology, this media has been loved by all generations because it can be easily accessed and at any time so that the strategy through digital will be very effective to reach as a whole.
 Keywords: marketing strategy, sharia pawnshop, gold savings

Strategi Pemasaran Produk Tabungan Emas Dalam Upaya Menarik Minat Nasabah pada Pegadaian Syariah Cabang Bogor Baru

This study aims to explain the marketing strategy in marketing the gold savings products found at Pegadaian Syariah Bogor Baru and how the right strategy is to attract customers to use the Gold Savings product. This research is a field research using a qualitative descriptive approach with primary and secondary data sources. In collecting data, researchers used interviews, observation and documentation techniques. The resource persons of this study were three employees of the Syariah Pawnshop Bogor Baru Branch and two customers of the Gold Savings product. The results of this study indicate that the application of marketing strategies provides services and information that is quite good for customers of gold savings products. From the aspect of the marketing mix contained in the branch office, such as; advertising, personal selling, sales promotion, publicity and direct marketing. Thus, the right strategy is to attract more customers by developing digital technology, this media has been loved by all generations because it can be easily accessed and at any time so that the strategy through digital will be very effective to reach as a whole.
 Keywords: marketing strategy, sharia pawnshop, gold savings

Pengaruh Tingkat Inflasi Dan Pendapatan Usaha Pegadaian Terhadap Pembiayaan Rahn Pada Pegadaian Syariah Tahun 2011-2020

In deciding the provision of rahn financing, it is influenced by various conditions, especially internal and external conditions. These internal factors or conditions include the development of pawnshop business income. Meanwhile, external conditions or factors can be seen from the financial conditions that occur in Indonesia, for example the inflation rate. This study aims to determine the effect of inflation rate and operating income on rahn financing at Islamic pawnshops in Indonesia partially and simultaneously. This research was conducted at a non-bank financial institution, namely PT. Pawnshops that focus on sharia segmentation. This type of research uses a quantitative descriptive method that is associative. The secondary data used in this study used a documentation study data collection technique. This research uses multiple linear regression data analysis method. Based on the results of the analysis and discussion of the data in this study, it is stated that the first tcount is -0.030, meaning that ttable is greater than tcount (2.365 > -0.030) and sig.0.977 > 0.05. From these results, inflation has a negative effect and inflation does not have a significant effect on the financing of rahn partially. Second, the results of the tcount value on the operating income variable produce a tcount of 7.141, meaning that tcount is greater than ttable (7.141 > 2.365) and a significant value of 0.000 < 0.05. From these results, it means that operating income has a positive effect and pawnshop income has a significant effect on Rahn's financing partially. The results of the simultaneous test (f test) obtained a ftable value of 4.46 because the fcount value of 38,698 is greater than the ftable value and the significance value of 0.000 is much smaller than 0.05. So it can be concluded that the inflation variable and Pawnshop income simultaneously affect the rahn financing variable at the Indonesian Sharia Pawnshop. And the relationship between the independent variable and the dependent variable in this study was 0.893 or 89.3%, while 10.7% was explained by other factors not presented in this study.

SALES ANALYSIS OF PRECIOUS METAL, CAPITAL, TOTAL ASSETS, AND OPERATIONAL COSTS ON INCOME LEVELS OF PT. PEGADAIAN SYARIAH PERIOD 2016-2019

The purpose of this study was to determine the effect of selling precious metals, capital, total assets and operating costs on Sharia Pawnshop income for the period 2016-2019. The method in this research uses quantitative methods. The sample in this study is the 2016-2019 financial statements. Data analysis used multiple linear regression analysis using the SPSS program with a significance level of 5% (0.05) The results showed that the variable sales of precious metals and capital had a significant effect on Sharia Pawnshop income. This is indicated by the value of the t-count variable sales of precious metals and capital is greater than the t-table and is at a significant level smaller than 0.05. The variables of total assets and operating costs do not affect Sharia Pawnshop income. This is indicated by the value of the acount of total assets and operating costs is smaller than the t table and is at a significant level greater than 0.05.

PENGARUH BIAYA IJARAH TERHADAP KEPUTUSAN NASABAH MELAKUKAN GADAI EMAS DIPEGADAIAN SYARIAH

Ijarah fee is a rental fee that must be paid by customers in conducting gold pawn transactions. The amount of the ijarah fee is determined based on the results of the estimated value of gold, so that the relatively low cost of ijarah for customers will make it easier for customers to do financing. The cost of ijarah (rent) according to Muhammad Ngasifudin is the cost of renting a place provided by the pawnshop for goods that have been pawned by the customer.27 So, the cost of ijarah at a sharia pawnshop is the rental fee for the goods that are pawned as a place to store the goods as long as the goods have not been redeemed. by the owner. Judging from the above phenomenon, the Ijarah Fee can be taken into consideration for customer decision making to pawn gold at a sharia pawnshop. The purpose of this study was to determine how the influence of Ijarah Fees on the customer's decision to pawn gold at the Sharia Pawnshop. The number of samples in this study was 88 respondents, this study used a quantitative approach. The data collection technique in this study used a questionnaire, and the sampling technique used the incidental sampling method using the slovin formula. The data obtained were then processed using the SPSS 25 application. The results of this study indicate that the value of tcount (3.085) > ttable (1.988) and a significance value of 0.003 <0.05, which means that partially the ijarah fee variable has a positive and significant effect on the customer's decision variable in pawning gold at Pegadaian Syariah.

Pengaruh Promosi, Kualitas Pelayanan, dan Implementasi Syariah terhadap Minat Masyarakat Menggunakan Jasa Pegadaian Syariah

This study aims to determine how much influence the promotion, service quality, and implementation of sharia has on people's interest in using sharia pawnshops. This study uses quantitative methods by distributingquestionnaires online or google forms to respondents with criteria aged 20-40 years and knowing about sharia pawnshops. This research was conducted in the city of Depok with a total of 100 respondents. In this study, it was found that the promotion and service quality variables had a significant effect, while the sharia implementation variable had no significant effect. In addition, in this study it was also found that the Y variable could be explained by 71.3% by the X variable. and the remaining 28.7% was explained by other variables outside the study.
 Keyword: Promotion, Service Quality, Syariah Implementation, and Interest

Pengaruh Promosi, Kualitas Pelayanan, dan Implementasi Syariah terhadap Minat Masyarakat Menggunakan Jasa Pegadaian Syariah

This study aims to determine how much influence the promotion, service quality, and implementation of sharia has on people's interest in using sharia pawnshops. This study uses quantitative methods by distributingquestionnaires online or google forms to respondents with criteria aged 20-40 years and knowing about sharia pawnshops. This research was conducted in the city of Depok with a total of 100 respondents. In this study, it was found that the promotion and service quality variables had a significant effect, while the sharia implementation variable had no significant effect. In addition, in this study it was also found that the Y variable could be explained by 71.3% by the X variable. and the remaining 28.7% was explained by other variables outside the study.
 Keyword: Promotion, Service Quality, Syariah Implementation, and Interest

Analisis Fatwa DSN-MUI No. 25/DSN-MUI/2002 Tentang Pelelangan Barang di Pegadaian Syariah

In Islam, pawning is known as Ar-rahn, which is to make an item as collateral for debt, provided that if there is difficulty in payment, the debt can be paid from the sale of the goods used as collateral. In sharia pawnshops, the auction system applies to customers, if the customer is unable to redeem the pawned goods and pay their debts after maturity. An auction is an attempt to repay loans that cannot be repaid to a certain extent. Auctions according to sharia must also be accountable for Islamic law, which is free from elements of gharar, maisir, usury and falsehood. The auction mechanism in sharia pawnshops is regulated in the second part of the General Provisions for Fatwa DSN No.25 / DSN-MUI / 2002, point 5 concerning auction. The purpose of this research is to find out whether the sharia auction mechanism is in accordance with the fatwa or not. The method used in this writing is qualitative descriptive. The result of this research is that the sharia embedding mechanism is in accordance with the DSN-MUI Fatwa No. 25 / DSN-MUI / 2002 concerning Auctions.

Fatwa on Sharia Products and Its Role in The Development of Islamic Finance Industry

The development of the Islamic finance industry in Indonesia has increased rapidly and satisfactorily. This can be seen from the growing number of Islamic financial institutions with a total of 4,000 institutions in 2019. These thousands of institutions offer sharia services and products; Islamic banks, Islamic people’s credit, sharia insurance, sharia pension funds, sharia pawnshops, sharia cooperatives, and sharia financial technology (fintech), etc. The rapid development of the Islamic financial market is a serious challenge for sharia economic experts who are members of the official institution of the National Sharia Council. This institution has the sole authority in issuing fatwas on sharia economics and finance in Indonesia. This paper reviews the thought products of the National Sharia Council in issuing fatwas in the form of sharia financial products that are flexible, meeting market demands/customer needs, and complying with sharia principles. The data was collected from DSN’s fatwas on sharia products from 1999-2010. Furthermore, the content analysis method was used to analyze the contents of DSN’s fatwa. The analysis result shows that DSN’s ijtihad in producing sharia products has not been sufficient a priori to rely on classical books which are very normative but must rely on economic demands/needs of modern financial markets.

Meningkatkan Pemahaman Masyarakat tentang Peran Pegadaian Syariah dalam Menyukseskan Program Pemulihan Ekonomi Nasional pada Masa Pandemi Covid19

During the COVID-19 epidemic, the worldwide economy was slowing down. Each country tries to normalize its economic activity through various policies or stimulants in order to be able to bounce back. Sharia pawnshops, as part of a financial institution with a function to play in contributing to economic growth, attempt to play a crucial role in the national economic recovery program, specifically with rahn pawnshop items. This service uses the lecture format by providing information about the role of sharia pawnshops in Indonesia's productivity expansion during the pandemic. This service activity is utilized for various purposes, starting with planning and progressing to monitoring and development. The purpose of this community service program is to make people more aware, notably of the role of sharia pawnsh. This service increased public understanding, and they became more aware of the government's role in trying to revive the economy through stimulus provided by non-bank Islamic financial institutions, one of which was sharia pawnshops. Keywords: Up to six keywords should also be included.

INCOMPATIBLE BUSINESS BEHAVIOR TOWARD ISLAMIC ETHICS: A STUDY ON THE PRACTICES OF RIBA AND BANK INTEREST

Various kinds of interpretations of usury and interest in modern financial institutions (banks), both from jurists and Muslim economists, seem to occur because the 'illat usury put forward by the jurists is seen as inaccurate in the development of Islamic legal thought. Gharar which is translated as speculation is equated with gambling because of the uncertainty for the parties (seller and buyer). This research uses a literature study, which is carried out by collecting, studying and reviewing books, scientific magazines and related documents such as theses and scientific journals. Many modern societies carry out such practices, such as buying and selling agricultural products that are still on the land with a wholesale system. When viewed from the ethical side of Islamic transactions, both usury, interest and gharar violate the ethics of transactions. Ethical considerations prohibiting usury, interest and gharar, due to unfairness, exploitation and unproductiveness. While the system of economic ethics emphasizes products, fairness and honesty in trade, and fair competition. In this case, good ethics will give good business, good ethics: good business. Ethics that is in the spotlight in this study, especially ethics in the operations and transactions of Islamic financial institutions. Then the sharia financial institutions in question include sharia banking, sharia pawnshops, sharia insurance, and sharia capital markets, all of which are some forms of representation of sharia macro financial institutions that are certain. have a significant impact on the nation's economic development. So that behavior that is not in accordance with Islamic ethics, such as related to usury and bank interest, must be avoided for Muslims.

PROSEDUR GADAI EMAS DIERA DIGITALISASI DENGAN AKAD QARDH PADA PT. BPRS AMANAH UMMAH KANTOR PUSAT LEUWILIANG

<p><em>The gold pawn procedure in the digitalization era at PT. BPRS Amanah Ummah. In Indonesia, there is a dualism of sharia pawning institutions, namely in sharia pawnshops and sharia banking, sharia pawnshops serve objects other than gold and the like. While Islamic banks do not accept pledges other than gold, of course this does not escape using two transaction techniques, namely Qardh and Ijarah contracts. As for the mechanism of the sharia gold pawn procedure at PT. BPRS Amanah Ummah is a customer must and must come to the bank with gold to be pawned, then the bank checks or checks the quality of gold and gold content brought by the customer. As for how to pay installments or pay off debts to the bank, customers can make payments using digital methods such as ATMs, Mobile Banking, funds, OVO, and Link Aja. However, this cannot be separated from the transaction, which often encounters several problems, namely, the calculation of the estimated gold both for extension and at the time of repayment. Therefore PT. BPRS Amanah Ummah must develop an information system for the extension and repayment of the gold pawn. To develop a system of relations between tables (RAT), Entity Relationship Diagram (ERD), and Data Flow Diagrams (DFD) to see the flow of the system, while to build the flow of this system used system development tools Miscrosof Basic net and Myiso database. which will be used later..</em></p>

Analisis Risiko Operasional Pada Pegadaian Syariah KC. Bengkulu Di Masa Pandemi Covid-19

Operational risk is an important effort that must be carried out by every company, including sharia pawnshops, as an effort to minimize losses due to risks that occur. This study aims to determine the operational risk management conducted by PT. KC sharia pawnshop. Bengkulu during the covid 19 pandemic. This research method uses a qualitative method with a case study approach. Data collection techniques for this study were collected through interviews with related parties at the research site. The results of this study indicate that operational risk is divided into two, namely risk to customers and risk to sharia pawnshops, including: Submission of information about products that are not comprehensive, limiting office hours, services, increasing operating expenses and decreasing profits. Factors causing operational risk are divided into internal factors from sharia pawnshops and external factors from customers, the way that is done by PT. KC sharia pawnshop. Bengkulu to overcome operational risks that occur is to focus on these two factors, optimizing controlling for all employees (internal) and also optimizing controlling for customers (external).

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH TERHADAP PRODUK RAHN PADA PEGADAIAN SYARIAH

The growing development of sharia-related products that are increasingly crowded in Indonesia also has an effect on the business development of PT Pegadaian (Persero). Therefore, PT Pegadaian (Persero) also issued a new product that smelled of sharia under the name Pegadaian Syariah. The legal basis for the establishment of Sharia Pawnshops is PP No. 103 dated November 10 2000 and Fatwa DSN No. 25 / DSN-MUI / III / 2002 concerning Rahn. For this reason, this study aims to examine and analyze the effect of promotions, prices and loan disbursement procedures on customer interest in using rahn products in Islamic pawnshops. This research uses quantitative research. The type of data used in this research is primary data. Primary data is data that comes from the original source or the first one that comes from a questionnaire. Based on the analysis and data processing above, the results obtained include promotion variables that affect customer interest, price variable affects customer interest and loan disbursement procedure variables also affect customer interest. Keywords: Customer Interest, Promotion, Price / Cost, Fund Disbursement Procedure, Sharia Pawnshop