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All Journal Indikator: Jurnal Ilmiah Manajemen & Bisnis JOURNAL OF APPLIED ACCOUNTING AND TAXATION JURNAL PENDIDIKAN TAMBUSAI Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Administrasi Bisnis FISIPOL UNMUL Al-Sharf: Jurnal Ekonomi Islam INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS JoEMS : Journal of Education and Management Studies Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen USNI Journal of Artificial Intelligence and Digital Business KOLONI Multazam : Jurnal Manajemen Haji dan Umrah Al-bank: Journal of Islamic Banking and Finance Munazzama Journal of Islamic Management and Pilgrimage Jurnal Akuntansi Syariah (JAkSya)
Nurani, Khadijah
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Manajemen Risiko Pada Pembiayaan Gadai Emas Pada PT. Pegadaian Syariah Simpang Benteng Payakumbuh Rahmansyah, Gani Shaleh; Ridhah, Habibatur; Sumarni, Nini; Nurani, Khadijah
JoEMS : Journal of Education and Management Studies Vol. 9 No. 2 (2026): April
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/joems.v9i2.1737

Abstract

Research Objective: This study aims to identify the types of risks and analyze the implementation of risk management in gold pawn financing at Pegadaian Syariah Simpang Benteng Payakumbuh. Methods/Approach: This study used a qualitative approach with a case study design. The study was conducted at the Simpang Benteng Payakumbuh Sharia Service Unit (UPS), involving three key informants: an appraiser (murtahin) and administrative staff directly involved in financing operations. Data were collected through observation, semi-structured interviews, and documentation. Data analysis used the Miles and Huberman interactive model, which includes data reduction, data presentation, and conclusion drawing. Data credibility was tested through triangulation of sources and methods. Results: The study shows that gold pawn financing faces several types of risks, namely credit risk, market risk, operational risk, liquidity risk, and reputation risk. Risk management is implemented through systematic risk identification, measurement, management, and control. These practices play a role in maintaining operational stability and minimizing potential losses in financing activities. Practical Implications: These findings demonstrate the importance of implementing structured risk management in enhancing operational prudence and financing management in Islamic financial institutions. Originality/Novelty: This research provides empirical evidence on risk management practices in gold pawn financing within the context of Islamic service units at the operational level, a topic that has been limited in previous studies, particularly at the service unit (UPS) level.
Co-Authors Abdullah, M. Harist Alwi, Hadad Anisah, Ariyun Awaluddin Awaluddin Baginda Parsaulian Dewi, Yenty Astarie Dinda, Mita Faturahma, Risa Fitri, Anisa Gina Havieza Elmizan Jannah, Ayu Khairul Kalsum, Mita Khairi, Himmatul Maharani, Tetti Maisaroh Maisaroh Mansur, Yuwarman Nova, Azhia Nugroho, Muhammad Habib Puspita Sari, Romida Putra, Indika Juang Rahmansyah, Gani Shaleh Raisa, Rizka Ridhah, Habibatur Rifani, Rindu Rika Widianita Rino Rino Santi Deswita Sari, Tika Oktovia sumarni, nini Yunia Wardi