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All Journal JEKSya Jurnal Ekonomi dan Keuangan Syariah AL-IKHTISAR: The Renewal of Islamic Economic Law
Risviyaldi
STAI Auliaurrasyidin
Economics, Econometrics & Finance

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Studi Kepatuhan Pegadaian Syariah Terhadap Standar Pengelolaan Marhun dalam Akad Rahn Risviyaldi
AL-IKHTISAR: The Renewal of Islamic Economic Law Vol. 6 No. 2 (2025): AL-IKHTISAR: The Renewal of Islamic Economic Law
Publisher : Institut Daarul Qur'an Jakarta, Indonesia

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Abstract

Penelitian ini bertujuan untuk menganalisis tingkat kepatuhan Pegadaian Syariah terhadap standar pengelolaan marhun dalam akad rahn berdasarkan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 25/DSN-MUI/III/2002 serta prinsip-prinsip hukum ekonomi syariah. Fokus kajian meliputi mekanisme penaksiran, penyimpanan, pengamanan barang jaminan, penetapan biaya ujrah (mu’nah), serta transparansi informasi kepada nasabah. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan jenis penelitian empiris. Data diperoleh melalui wawancara mendalam, observasi langsung, dan studi dokumentasi pada salah satu cabang Pegadaian Syariah di Indonesia. Analisis data dilakukan dengan teknik triangulasi sumber dan metode untuk memastikan validitas temuan. Hasil penelitian menunjukkan bahwa Pegadaian Syariah secara normatif telah menerapkan pengelolaan marhun sesuai dengan ketentuan fatwa dan standar syariah, terutama dalam pemisahan akad rahn dan ijarah, serta sistem penyimpanan barang jaminan. Namun demikian, masih ditemukan variasi praktik operasional dan keterbatasan transparansi biaya yang berimplikasi pada persepsi kepatuhan syariah secara substantif. Penelitian ini merekomendasikan penguatan standar operasional prosedur, peningkatan literasi syariah nasabah, dan optimalisasi peran pengawasan syariah guna mewujudkan praktik Pegadaian Syariah yang lebih adil, amanah, dan transparan.
Analisis Faktor-faktor yang Mempengaruhi Tingkat Pengangguran di Kabupaten Indragiri Hilir Tahun 2011-2020 Risviyaldi; Dhiani Puteri Fathmadani
Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 2 (2025): September 2025
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

This study aims to examine the effect of employment opportunities, labor force participation rates, and economic growth on unemployment in Indragiri Hilir Regency. This study uses a quantitative methodology approach using secondary data from the Central Statistics Agency of Indragiri Hilir Regency in the form of time series data from 2011-2020. The technique used to collect the data is non-behavioral observation on records. The sample used is data for ten years where the sampling technique uses saturated samples. Meanwhile, to analyze the data, an OLS-based regression technique was used with Eviews 10. From the results of the study, the regression coefficient value of X1 is -15.556, the regression coefficient of X2 is -0.547, and the regression coefficient of X3 is -0.024. While the partial t-statistic of X1 is -3.856, X2 is -11.880, X3 is -0.357, and simultaneously the F count value is 86.357 with F table of 0.000025. Based on the results of this study, it can be concluded that the level of employment opportunities has a significant effect on the unemployment rate, the labor force participation rate has a significant effect on the unemployment rate, economic growth has a significant effect on the unemployment rate and simultaneously the level of employment opportunities, the labor force participation rate, and economic growth have a significant effect on unemployment in Indragiri Hilir Regency.
Co-Authors Dhiani Puteri Fathmadani