Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Santri : Jurnal Ekonomi dan Keuangan Islam
Abdul Aziz Hiborohim Srg
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Implementasi Produk Pegadaian Syariah pada Pegadaian Syariah Cabang Paus Pekanbaru Anggun Anugrah; Azwar Azwar; Aulia Apriyani Jemmi; Faiqul Halim; Siti Aisyah; Abdul Aziz Hiborohim Srg
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2344

Abstract

This study aims to analyze the implementation of Pegadaian Syariah products at the Paus Pekanbaru Branch based on field observations and interviews. The research focuses on four main products: Rahn, Gold Installments, Gold Savings, and Sharia Business Loans. A qualitative descriptive method was applied using observation, interviews, and documentation as data collection techniques. The findings show that Rahn is the most widely used product because it offers a fast disbursement process, simple procedures, and relatively accessible requirements for customers who need short-term financing. Gold Installments and Gold Savings provide alternative sharia-compliant investment instruments based on real assets, allowing customers to own gold gradually and safely. Meanwhile, Sharia Business Loans play an important role in supporting micro-enterprise development by providing financing that follows Islamic principles. Overall, the implementation of these products reflects Pegadaian Syariah’s contribution to expanding financial inclusion, strengthening public understanding of sharia-based financial services, and providing practical solutions for community economic needs. However, product socialization and customer literacy still need improvement to optimize utilization. This improvement is expected to enhance product acceptance and strengthen sustainable sharia financial service performance.
Co-Authors Anggun Anugrah Aulia Apriyani Jemmi Azwar Azwar Faiqul Halim Siti Aisyah