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Fenomena Nasabah Bermasalah pada Pegadaian Syariah: Studi Kualitatif pada Produk Rahn dan Cicil Emas Muhammad Rizky Antonio Toefany; Farida Ulfa; Rizka Nabilah Al-Wakhidah; Muhammad Fadhil Aziz Ramadhan; Muhammad Sholahuddin Majid; Muhammad Iqbal Surya Pratikto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31216

Abstract

Penelitian ini bertujuan untuk menganalisis fenomena nasabah bermasalah pada produk rahn dan cicil emas di Pegadaian Syariah, khususnya terkait faktor penyebab, perilaku nasabah, serta strategi penanganan yang dilakukan oleh lembaga. Penelitian menggunakan pendekatan kualitatif dengan desain fenomenologi untuk memahami pengalaman subjektif informan. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi dengan informan yang terdiri dari pegawai internal Pegadaian Syariah dan didukung oleh data lapangan. Hasil penelitian menunjukkan bahwa nasabah bermasalah dipengaruhi oleh penurunan kemampuan bayar, kendala geografis, rendahnya pemanfaatan aplikasi digital (TRING), serta kurangnya respons terhadap sistem pengingat. Dari sisi perilaku, ditemukan indikasi moral hazard dan keterbatasan informasi yang menyebabkan ketidaksesuaian antara kondisi awal dan realitas pembayaran. Strategi penanganan dilakukan secara bertahap melalui reminder, kunjungan langsung, opsi perpanjangan atau top up, hingga lelang sebagai langkah terakhir. Penelitian ini memberikan kontribusi dalam memperkaya literatur keuangan syariah berbasis perilaku serta menawarkan implikasi praktis bagi penguatan manajemen risiko dan strategi komunikasi Pegadaian Syariah. Penelitian selanjutnya disarankan mengembangkan pendekatan mixed methods untuk hasil yang lebih komprehensif.
ANALISIS PRINSIP 5C PADA PEMBIAYAAN KUR SEBAGAI UPAYA MEMINIMALISIR PEMBIAYAAN BERMASALAH (STUDI KASUS BSI KCP SURABAYA RUNGKUT 1) Rista Izza Aminin; Toyyibatus Samsiah; Nurul Aulia Herlina Angganita; Siti Nur Azizah; Hafidz Akmal Khoirony; Muhammad Iqbal Surya Pratikto
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 6 No. 02 (2025): Januari-Juni 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v6i2.1094

Abstract

Indonesia's stable economic growth opens opportunities for people to access financing, especially through the KUR program that supports the Micro, Small and Medium Enterprises (MSMEs) sector. Bank Syariah Indonesia, as one of the largest Islamic banks, also provides KUR services to support the growth of MSMEs. However, behind the ease of access to financing, the risk of non-performing financing remains a challenge that must be anticipated. This research aims to analyze the application of the 5C principles in the KUR financing process at BSI KCP Surabaya Rungkut 1 and the extent to which these principles are effective in minimizing the risk of non-performing financing. The research method used is descriptive qualitative with primary data from in-depth interviews and secondary data from KUR financing documents, scientific literature, journals, and relevant previous research. The results showed that BSI KCP Surabaya Rungkut 1 applies the 5C principle thoroughly, including character, capacity, capital, collateral, and condition of economy as a reference in assessing customer eligibility. In addition, the post-disbursement monitoring process is carried out regularly through account monitoring and direct visits to business locations. The consistent application of the 5C principles has proven to help banks reduce the risk of non-performing financing while maintaining the quality of the KUR financing portfolio at BSI KCP Surabaya Rungkut 1.
Co-Authors Achmad Fajruddin Fatwa Adam Bin Hamzy, Muhammad Ali Mustofa, Imam Amalia, Najwa Aminin, Rista Izza Ardyanfitri, Helmina Arifin, Ah. Ali Ariza Qanita Auliyaun Nisaa, Mufida Azizah Malik, Rizki Clarissa Belinda Fabrela El Nadia, Nada Enha Arini Khusnul Faizah Enha Arini Khusnul Faizah Fabrela, Clarissa Belinda Farida Ulfa Fatwa, Fajruddin Fayakun, Aldo Deva Feni Febrianti Galuh Ajeng Safitri Hadi, Nurrohman Hafidz Akmal khoirony Hafidz Akmal khoirony Handila Rizka Helmina Ardyanfitri Herlina Rahma Yanti Ihsan, Nurul Ilham, Muhamad Arifin Imam Ali Mustofa Kamilah, Athia Nur Khasanah, Faizatun Laila maghfiroh Lola Triaulina Maghfiroh, Rahma Ulfa Malik, Rizki Azizah MASADAH Masadah Maziyah Mazza Basya Miftah Hur Rahman Zh Mohammad Dliyaul Muflihin Mohammad Khoiruzi Afiq Muhammad Fadhil Aziz Ramadhan Muhammad Rizky Antonio Toefany Muhammad Sholahuddin Majid Muhammad Yazid Muhammad Yazid Muntazeri, Eliya Najma Nabilatul Amaliyah Nabilatul Mumtazah Putri Husaein Nabilla, Wulan Alyu Nada El Nadia Nisha Nor Rahmawati Nur Cahyani, Della Nur Maulidah Dini Rahmani Nurhayati Nurhayati Nurhayati Nurrohman Hadi Nurul Aulia Herlina Angganita Nurul Aulia Herlina Angganita Nurul Fatma Hasan Nurul Ihsan Putri Ayu Fitria Sari Qanita, Ariza Rafi Setya Iqbal Pratama Rahma Ulfa Maghfiroh Rahmani, Nur Maulidah Dini Rahmawati, Lilik Rista Izza Aminin Rizka Nabilah Al-Wakhidah Rizka Nur Aini Sa'bania, Nisfuizza Rara Nur Safitri, Galuh Ajeng Sari, Mita Permata Sari, Putri Ayu Fitria Setya Iqbal Pratama, Rafi Setya Iqbal Pratama, Rafi Siti Nur Azizah Siti Nur Azizah Sofyanto, Dita Putri Sri Wigati Suqiyah Musafaah Toyyibatus Samsiah Toyyibatus Samsiah Ulfa Maghfiroh, Rahma Wulan Alyu Nabilla Yanti, Herlina Rahma