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All Journal Jurnal Bisnis dan Manajemen Trikonomika: Jurnal Ekonomi Journal of Educational Science and Technology EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Penelitian Karet Mimbar Agribisnis: Jurnal Pemikiran Masyarakat Ilmiah Berwawasan Agribisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL AGRICA Journal of Education, Humaniora and Social Sciences (JEHSS) Jurnal Mantik International Journal of Financial, Accounting, and Management Jurnal Pembelajaran dan Biologi Nukleus Agro Bali: Agricultural Journal Jurnal Penelitian Agrisamudra Community Engagement and Emergence Journal (CEEJ) Enrichment : Journal of Management Budimas : Jurnal Pengabdian Masyarakat AGRISAINS: Jurnal Ilmiah Magister Agribisnis Strukturasi: Jurnal Ilmiah Magister Administrasi Publik GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Pertanian ( JIPERTA) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Agriuma Journal of Agri Socio Economics and Business Jurnal Ilmiah Agribios Agrimansion: Agribusiness Management & Extension Komitmen : Jurnal Ilmiah Manajemen Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) International Journal of Science and Society (IJSOC) Bussman Journal : Indonesian Journal of Business and Management Mediagro Prioritas : Jurnal Pengabdian Kepada Masyarakat Data Sciences Indonesia (DSI) The International Conference on Education, Social Sciences and Technology (ICESST) Journal of Public Representative and Society Provision JIASEE Journal of Integrated Agricultural Socio-Economics and Entrepreneurial Research International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal bintang manajemen Journal of Management and Social Sciences Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Maslahah: Jurnal Manajemen dan Ekonomi Syariah International Journal of Economics, Business and Innovation Research Society Jurnal Agribest CULTIVATE: Journal of Agriculture Science Proceeding of The International Conference on Management, Entrepreneurship, and Business INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Jurnal Pengabdian Masyarakat SAPANGAMBEI MANOKTOK HITEI
Yusniar Lubis
Universitas Medan Area
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Policy on Implementation of Bank Indonesia Circular Letter No. 14/7/Dpbs of 2012 concerning Regulation of Qardh Backed by Gold at Bank Syariah Mandiri KFO Imam Bonjol Medan (Pre Merger of PT Bank Syariah Indonesia) Mutiara Minsih; Yusniar Lubis; Rudi Salam Sinaga
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 3 (2021): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i3.2417

Abstract

Bank Indonesia Circular Letter No.14/7/DPbS dated February 29, 2012 regarding Qardh Backed by Gold Products for Sharia Banks and Sharia Business Units explains the guidelines and operating limits for sharia gold pawn/rahn products in Indonesia. With the issuance of this circular, every Islamic bank including Bank Syariah Mandiri KFO Imam Bonjol Medan must be able to implement policies in accordance with the provisions of Bank Indonesia. This study aims to determine and explain how the implementation of gold-backed qardh products at Bank Syariah Mandiri KFO Imam Bonjol Medan after the issuance of Bank Indonesia Circular Letter No. 14/7/DPbS. This study also aims to determine the impact of potential risks that arise on gold-backed qardh products after the issuance of Bank Indonesia Circular Letter No. 14/7/DPbS. This research is a qualitative descriptive analysis research conducted at Bank Syariah Mandiri KFO Imam Bonjol Medan which is located at Jl. Imam Bonjol, No. 7. Medan City. Based on the results obtained in this study, it can be seen that in general, the implementation policies applied by Bank Syariah Mandiri KFO Imam Bonjol Medan are in accordance with the rules contained in Bank Indonesia Circular Letter No. 14/7/DPbS. Such as determining the category of use, use of contracts, delivery of information, amount and term of financing, and FTV. However, there are two aspects that are still not appropriate, including the status of gold ownership and the imposition of fees that are not in accordance with the rules set by Bank Indonesia. In addition, it is also known that in gold-backed qardh products there are several types of risks contained in them, including: market risk, credit risk, liquidity risk and operational risk.
Co-Authors Adam Adelina Lubis Adriani Sagala Ahmad Aji Rahman Ahmad Rafiki Ajam Mustajam Ananda, Fajar Rezeki Andalasari, Rina Andika Syaputra Andry Sanjaya Anggiat Frans Samuel Simanjuntak Arga Malona Arga Malona Asrizal Efendy Nasution Audia Junita Audia Junita Awang Firdaos Azwana Azwana Azwana Azwana Azwana Azwana Azwana Azwana Azwana Nst Bambang Hermanto Bigner Dolok Saribu Budi Hartono Budi Hartono Cahyadi, Yudhi Chairul Riza Nasution Cheery Patricia Br Silalahi Cut Dian Izabella Dadang Munandar Dicky Dicky Djuli Sjafei Purba Dumalina Lubis Dumasari Harahap DWI SURYANTO E. Harso Kardhinata Ebron Cristianta Tarigan Efendi Pakpahan Eladira, Eladira Elfina Okto Posmaida Damanik Elly Romy Endang Sari Simanullang Ermanto, Yodi Erwin Pane Erwin Pane, Erwin Esther Praja Anggriany Panggabean Fachry Abda El Rahman Fahman Urdawi Nasution Fakhrur Rozi, Fakhrur Faoeza Hafiz Saragih Fauzan Rino Fauzi, Fachri Ali Gozali, Luli Achmad Gustami Harahap Gustiansyah Perdhana Putra Hadisaputra Hadisaputra Hadisaputra, Hadisaputra Hafiz Ahmad Haidar Alwi Yahya. S Hamidah Sari Siregar Hamidah Sari Siregar Hanny Hafiar Harahap, Ahmad Rizki Harefa, Taslim Hasnudi Hasnudi Hasnudi, Hasnudi Hasnudi, Hasnudi Hasudungan Siregar Heni Pujiastuti Heri Kusmanto, Heri HILMAN LUBIS Husainah Yusuf Ihsan Efendi Iif Rahmat Fauzi, Iif Rahmat Ijan Paulinus Sijabat Imam Fauzi Harahap Indah Dewi Permata Indah Dewi Permata Indra Sakti Ivan Setyastiawan Junaidi Junaidi Junaidi Junaidi Junaidi, Junaidi Juniarrafiq, Mhd. Dwika Kadar Nurjaman Kardhinata, Harso Khairul Saleh Kismoyogi, Kismoyogi Laili Alfita Lora Ekana Nainggolan Lubis, Dumalina Lubis, Fajar Rezeki Ananda Lubis, Syaifuddin Lubis, Syaifuddin M. Akbar Siregar M. Yogi Riyantama Isjoni Mahya Humaira Manullang, Endang Sari Mawaddah Harahap, Mawaddah Melly Julianti Mitra Musika Lubis Mohammad Iqbal Muhammad Arief Tirtana Muhammad Denni Muhammad Reza Bachri Munthe, Theodora Ginting Mutiara Minsih Nana Triapnita Nainggolan Nasib Nasution, Fachruddin Normansyah Normansyah Nurfadilla Lubis Nurmiah, Nurmiah Pakpahan, Plawer Arimbi Patrizal, Patrizal Permata, Indah Dewi Putra Lukmana Yunus Hasibuan R. Turino Januar Budyanto R. Turino Januar Budyanto Rafiqi Rahma Sari Siregar RAHMANIAH RAHMANIAH Rahmaniah, Rahmaniah Rahmanta Ginting Rahmanta Ginting Rajagukguk, Albiden Resmiwati Isnaini Retna Astuti Kuswardani Riana Tarigan Ridwan Fadly Rilus Kinseng Robert Tua Siregar Robert Tua Siregar Romiduk Gurning Rudi Salam Sinaga Rudsel Triana Salsabila, Unik Hanifah Saragih, Faoza Saragih, M.Sc, Faoeza Hafiz Setyastiawan, Ivan Sherly Amanda Silalahi, Cheery Patricia Br Siregar, Indria Sari Siregar, Tumpal H.S. Siregat, Akbar Siswa Panjang Hernosa Siti Nur Arafah Siti Sabrina Salqaura Sofiyan Sri Ariani Safitri Suaidi Harahap Syafruddin Ritonga Syahbudin Syahbudin Hasibuan Syahputra, Candra Syahputra, Jalaluddin Ibrahim Syaifuddin Syaifuddin Lubis Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifuddin Syaifudin Lubis Tanjung, Yayan Noviandi Ananda Tantri Octora Dwi Syah Putri Theodora Ginting Munthe Theodora Ginting Munthe Tri Martial Triana, Rudsel Tumpal HS Siregar, Tumpal HS Vanhuri, Eddi Vivi Andriani Wan Suryani Watson AP Manalu Wenggedes Frensh Yudha Filistea Purba Yulia Andini Yusrita Yusuf Abadi Yusuf Ronny Edward Yusuf, Husainah Zahari Zen Zakarias Situmorang Zawil Huda Mustaid Zawil Huda Mustaid Zul Ahmad Lubis Zulkifly, Zulkifly