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All Journal MUQTASID HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam TSAQAFAH Iqtishoduna: Jurnal Ekonomi Islam Amalee: Indonesian Journal of Community Research & Engagement Al-Muqayyad Proceedings of Annual Conference for Muslim Scholars Jurnal Abdi Insani Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING El-Qist : Journal of Islamic Economics and Business (JIEB) Penamas: Journal of Community Service East Java Economic Journal Jurnal Keuangan dan Akuntansi Terapan (KUAT) EKONOMIKA SYARIAH : Journal of Economic Studies JEBI (Jurnal Ekonomi dan Bisnis Islam) Open Community Service Journal Jurnal Ilmiah Pengabdian dan Inovasi Eduvest - Journal of Universal Studies Easta Journal of Innovative Community Services The Es Economics and Entrepreneurship The Eastasouth Management and Business Eastasouth Journal of Impactive Community Services Klabat Journal of Management Global Education Journal JAMAS: Jurnal Abdi Masyarakat FENOMENA: Journal of Social Science NGARSA: Journal of Dedication Based on Local Wisdom The Eastasouth Journal of Social Science and Humanities Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Proceeding of International Conference on Humanity Education and Society Mozaic: Islamic Studies Journal Welfare: Jurnal Pengabdian Masyarakat AL-MUFIDAH : Jurnal Pengabdian Kepada Masyarakat
Masruroh, Nikmatul
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Gold Pawn Contribution to Fee-based Income Masruroh, Nikmatul; Aini, Qurrotul
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i2.130-140

Abstract

Gold pawn is one of sharia bank products that may provide additional income to the bank. Additional income can be included in fee-based income. However, in the implementation of the sale of gold pawn, not all sharia banks are lucky and feel its contribution. Bank Syariah Mandiri is a bank that is able to maintain gold pawn as one of its products in contributing income to fee-based income. Therefore, this paper discussed more about what the contribution of gold pawn to fee-basedincome and how the implementation of procedure so that this product can contribute to fee-based income for Bank Mandiri Syariah. These problems were investigated using a qualitative approach. Methods of collecting data used in this study were observation, interview and documentation. The data was analyzed descriptively. The data validity used in this study was triangulation technique.Research findings showed that the gold pawn has a contribution in the form of rental income or produced from ujroh. Ujroh is then entered into fee-based income.The transaction process of gold pawn was done by using covenant of rahn, qardh and ijara or in legal term called hybrid contract. Gadai emas salah satu produk bank Syariah yang bisa memberikan tambahan pendapatan pada bank. Tambahan pendapatan tersebut bisa masuk pada fee based income. Akan teta pi, dalam pelaksanaan penjualan gadai emas, tidak semua bank Syariah beruntung dan merasakan kontribusi dari produk gadai emas. Bank Syariah Mandiri adalah bank yang mampu mempertahankan gadai emas sebagai salah satu produknya dalam menyumbang pendapatan pada fee based income. Oleh karena itu, tulisan ini mengungkap lebih jauh mengenai apa sebenarnya kontribusi gadai emas terhadap fee based income dan bagaimana prosedur pelaksanaannya sehingga produk ini bisa memberikan kontribusi terhadap fee based income bank Syariah Mandiri. Persoalan ini diteliti menggunakan pendekatan kualitatif, jenis studi kasus. Teknik pengumpulan data yang digunakan observasi, wawancara dan dokumentasi. Analisis data yang dilakukan yaitu analisis deskriptif, dengan menggambarkan secara gamblang hasil penelitian dan dianalisis secara menyeluruh.Teknik uji validitas data menggunakan triangulasi sumber. Dari metode tersebut, hasil penelitian menyatakan bahwa gadai emas memiliki kontribusi berupa pendapatan sewa atau berasal dari ujroh. Ujroh tersebut yang kemudian masuk menjadi fee based income. Proses pelaksanaan gadai emas dilakukan dengan akad rahn, qardh dan ijarah atau dalam istilah hukum disebut hybridcontract.
Co-Authors Abdul Hamid Abdul Muis Ahmad Afif Ahmad Fadli Ainiya, Nur Ali Yusuf Al Qordhowi, Muhammad Andinata, Agil Jauzal Firdaus Anggraini, Deshinta Amelia Anjani, Fiki Anwar, Jufan Afnani Azhari, Mohammad Hasan Bella, Salma Salsa Cahyani, Dyah Ayu Chotib, Moch. Dono Hariyanto, Al Furqon Dzulkarnaen, Ahmad Fauzan . Fawaid, Yazidul Ferdianto Firmansyah, Yusril Hari Sukarno Hariyanto, Al Furqon Dono Hidayanti, Nur Hidayatullah, M.F. Ibadi, Hosnul Irfan Hamdani, Irfan Islamiyah, Iqlil Sua'ibatul Isnaeni, Firda Nur Is’adi, Munir Jannah Fauzia, Rizka Jannah, Ariniatul Jufan, Jufan Afnan Anwar Kiftiyah, Ridayatul Lathifani, Jasmine Mahendra, M. Khoirunnas Esa Mareta, Fika Furi Mashudi Mashudi Maulana, RB. Ahmad Mauliyah, Nur Ika Mawaridi, Novi Izzah Melani, Vicha Anastasya Nafiah Nur Andini Nelly Septya Agus Salim Nisa, Salsabila Aulia Novitasari, Indri Dwi Putri Nurul Hidayat Putra, Kelvin Qardhawi, Muhammad Ali Yusuf Al Qurrotul Aini Rafidah, Nathania Nur Rafitri, Aqila Abyani Ramadhani, Andika Putra Ramadhani, Kurniawan Raziqi, Ahmad Rifa'i, Achmad Rini, Anggi Amanda Septia Rohmah, Farikhatur Romadhoni, Nur Ismi Sadhie, Muhammad Saelasari, Eqgy Yulia Safitrih, Dina Ayu Saputri, Dela Aulia Ajeng Sari, Rini Fatika Setiawan, Deny Arif Shahrin, Attori Alfi Silaturrohmah, Firda Siti Aminah Suhaemi, Siti Sulthan, Achmad Suprianik, Suprianik Sururroh, Ifana Dwi Ulfah, Mariyah Umamah, Lidhatul Wardhana, Firmansyah Shidiq Widad, Ahmad Syarif Khusnul Yusril Firmansyah Zaini, Umi Kulsum Zakkiyah, Hafidhotuz Zeiniye, Zeiniye