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All Journal Gizi, Kesehatan Reproduksi dan Epidemiologi Jurnal Ilmiah Mahasiswa Veteriner Indonesian Journal for Health Sciences (IJHS) International Journal of Health, Economics, and Social Sciences (IJHESS) International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Kolaboratif Sains Hospital Majapahit : Jurnal Ilmiah Kesehatan Politeknik Kesehatan Mojokerto JURNAL PENGABDIAN PENDIDIKAN MASYARAKAT (JPPM) Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA) AL-ISHLAH: Jurnal Pendidikan Islam International Journal of Business English and Communication (IJoBEC) Jurnal Teknologi Pangan dan Ilmu Pertanian Jurnal Pengabdian Masyarakat Kesehatan Tumbuhan : Publikasi Ilmu Sosiologi Pertanian dan Ilmu Kehutanan Journal Of Health Science Community JREP Medica Majapahit Seuraya Jurnal Pengabdian Kepada Masyarakat
Nurul Mawaddah
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ANALYSIS OF RETURN ON LOAN PRINCIPAL AND UJRAH/ MU'NAH FOR RAHN AND ARRUM EMAS PRODUCTS AT SHARIA PAWNSHOPS IN LHOKSEUMAWE CITY Nurul Mawaddah; Anwar Puteh; Haris Al-Amin
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 3 No. 2 (2023): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v3i2.793

Abstract

This study aims to determine the analysis of loan principal repayments and Ujrah / Mu'nah products of Rahn and Arrum Emas at Sharia Pawnshops in Lhokseumawe City. The type of research used is descriptive qualitative research. This research has been surveyed from 2020, where one of the loan agreements as a case study will end in 2022. The type of data used is qualitative data. The data sources used are primary data and data collection methods through direct interviews with employees, branch managers, randomly selected customers and general company data that can be accessed directly via the pawnshop link. The analytical method used is descriptive qualitative analysis. The research results show that every customer deciding on one of these contracts has certain considerations both in terms of the ability to pay all at once or in installments. Everything is tailored to the needs and income generated. The amount of ujrah or mu'nah determination, especially for Arrum Mas products, uses a flat calculation, where the loan principal and mu'nah are the same for each installment payment, which is 1 percent per month of the loan amount. The ujrah or mu'nah from Arrum Mas products is lower than Rahn products if the payment is calculated at maturity. The amount of ujrah or mu'nah determination, especially for Arrum Mas products, uses a flat calculation, where the loan principal and mu'nah are the same for each installment payment, which is 1 percent per month of the loan amount. The ujrah or mu'nah from Arrum Mas products is lower than Rahn products if the payment is calculated at maturity. The amount of ujrah or mu'nah determination, especially for Arrum Mas products, uses a flat calculation, where the loan principal and mu'nah are the same for each installment payment, which is 1 percent per month of the loan amount. The ujrah or mu'nah from Arrum Mas products is lower than Rahn products if the payment is calculated at maturity.
Co-Authors Abdul Wahid Akmal Amal Hayati Aman Wijayanto Andi Aderus Anggriea Ilfa Nanda Sari Anis Sukowati Anndy Prasetya Anndy Prasetya Anndy Prastya Annisa Wardani Anwar Puteh Arief Fardiansyah Arifatur Rizal Asih Media Yuniarti Ateng Supriyatna Atikah Fatmawati Bahaking Rama Billa Sadina Bunga Shafira Cici Astuti Dessy Ayuningtyas Dwi Helynarti Syurandari Dwi Helynarti Syurandhari Dwiharini Puspitaningsih Eka Diah Kartiningrum Elvin Titiani Ernawati Nasution Faisal Fajriharish Nur Awan Fakhrurrazi Fakhrurrazi Fatimah Hidayahni Amin Fitria Wahyu Arianti Fitria Wahyu Ariyanti Haris Al-Amin Henry Sudianto Henry Sudiyanto Hermawan, Edi Husnia Basahi Ika Suhartanti Ike Prafita Sari Ike Prafita Sari Ine Ella Viana Ita Fitriyyah Julia Ari Santi Jumirah . Khairunnisa Kusuma, Yudha Laga Hadi Lingga kusuma wardhani Lubis Muchdir Ahmad Ronoatmojo Muhammad Egy Andara Muhammad Hudain Muhammad Rifai Mujiadi Mujiadi Mujiadi Mujiadi Mutiara Fajar Nabila Putriyandri Alifa Nathania Rahadatul ‘Aisy Na’illah Ega Sivana Neng Sri Mulyani Nirmala Dewi Nurharsya Khaer Hanafie Puty Anggraini Rahajeng Galuh Tribuana Rahmi SA Resarizki Utami Rifa Musyaropah Rifqi Ilham Rizal Efendi Rosmaidar Rosmaidar Salma Shifa Nafisa Siti Rachmah Siti Rachmah St. Rosmi Syarifah Maulina Tabita Ruliyanti Erma Wahyu Handrianto Widodo Witasari