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All Journal MUQTASID ISLAMICA: Jurnal Studi Keislaman HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam E-Dimas: Jurnal Pengabdian kepada Masyarakat Economica: Jurnal Ekonomi Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Istinbath: Jurnal Hukum dan 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) Jurnal Pengabdian Nasional (JPN) Indonesia Global and Policy Journal of International Relations Indonesian Journal of Innovation Studies Penamas: Journal of Community Service Jurnal Keuangan dan Akuntansi Terapan (KUAT) Catimore: Jurnal Pengabdian Kepada Masyarakat EKONOMIKA SYARIAH : Journal of Economic Studies JEBI (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Open Community Service Journal Jurnal Ilmiah Pengabdian dan Inovasi Eduvest - Journal of Universal Studies Eastasouth Journal of Positive Community Services Easta Journal of Innovative Community Services The Es Economics and Entrepreneurship The Eastasouth Management and Business The Es Accounting and Finance Eastasouth Journal of Impactive Community Services Trending: Jurnal Manajemen dan Ekonomi Klabat Journal of Management Global Education Journal JAMAS: Jurnal Abdi Masyarakat Sharia Economic and Management Business Journal (SEMBJ) NGARSA: Journal of Dedication Based on Local Wisdom The Eastasouth Journal of Social Science and Humanities Jurnal Pengabdian Nasional (JPN) Indonesia Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Proceeding of International Conference on Humanity Education and Society Khidmat: Journal Community Service Ecoducation Welfare: Jurnal Pengabdian Masyarakat AL-MUFIDAH : Jurnal Pengabdian Kepada Masyarakat IJIEF: Indonesian Journal of Islamic Economics and Finance INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) Al-Munawwarah : Jurnal Pendidikan Islam Mozaic: Islamic Studies Journal
Nikmatul Masruroh
UIN Kiai Achmad Siddiq Jember
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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 Halik Abdul Hamid Abdul Muis Abdul Mujib ABDUL MUJIB Abdul Rokhim Abdul Wadud Nafis Achmad Rifa'i Agus Ahmad Faizy Alfawwaz Ahmad Afif Ahmad Deni Faisal Ahmad Dzulkarnaen Ahmad Fadli Ahmad Fadli Ahmad Raziqi Ahmadiono Ahmadiono Ainiya, Nur Akhmad Syaifudin Al Furqon Dono Hariyanto Ali Yusuf Al Qordhowi, Muhammad Anastasya Veronica Andinata, Agil Jauzal Firdaus Anggraini, Deshinta Amelia Anggraini, Julia Citra Anjani, Fiki Anwar, Jufan Afnani Aprillia Uzlifatul Jannah Aqila Abyani Rafitri Atina Salsabila Attori Alfi Shahrin Azalia, Ilfanny Dwi Azhari, Mohammad Hasan Bella Findayani Bella, Salma Salsa Cahyani, Dyah Ayu Chotib, Moch. Diana, Lutfi Rifa Dono Hariyanto, Al Furqon Dzulkarnaen, Ahmad fadli, ahmad Farah Zahirah Farikhatur Rohmah Fauzan Fauzan Fawaid, Yazidul Ferdianto Fiki Anjani Firda Silaturrohmah Firmansyah, Yusril Gita Pamudji Hafis Abdi Azis Halimatus Zahra Hari Sukarno Hariyanto, Al Furqon Dono Ibadi, Hosnul Iqlil Sua'ibatul Islamiyah Irfan Hamdani, Irfan Islamiyah, Iqlil Sua'ibatul Isnaeni, Firda Nur Jannah, Ariniatul Jufan, Jufan Afnan Anwar Juhairiyah Kiftiyah, Ridayatul Lathifani, Jasmine Laurenza Citra M. Bayu Maulana M. Khoirunnas Esa Mahendra M.F. Hidayatullah Mareta, Fika Furi Masdul, Muhammad Rizal Mashudi Mashudi Masrohatin, Siti Maulana, RB. Ahmad Mauliyah, Nur Ika Mawaridi, Novi Izzah Melani, Vicha Anastasya Miftahul Jannah Misbahussururi, Misbahussururi Moch. Chotib Muhammad Danil, Muhammad Muhammad Darul Ulum Mundir Munir Is’adi Nafiah Nur Andini Nelly Septya Agus Salim Niken Dwi Nurjannah Nisa, Salsabila Aulia Novitasari, Indri Dwi Putri Nur Hidayanti Nur Ismi Romadhoni Nurul Hidayat Nurul Hidayat Putra, Kelvin Qardhawi, Muhammad Ali Yusuf Al Qoriani, Hersa Farida Qurrotul Aini Qurrotul Aini Rafidah, Nathania Nur Rafitri, Aqila Abyani Ramadhani, Andika Putra Ramadhani, Kurniawan Raziqi, Ahmad Retna Anggitaningsih Rifa'i, Achmad Rini, Anggi Amanda Septia Rizka Jannah Fauzia Rohmah, Farikhatur Rusmini Rusmini S. Akibu, Marhama Sadhie, Muhammad Saelasari, Eqgy Yulia Safitrih, Dina Ayu Sahrul Novandri Saifuddin Samsul Arifin Saputri, Dela Aulia Ajeng Sari, Rini Fatika Setiawan, Deny Arif Shahrin, Attori Alfi Shochibah Istiqomah Sholihah, Dawimatus Silaturrohmah, Firda Siti Aminah Siti Ifa Nurjannah Siti Masrohatin Siti Raudhatul Jannah Sitti Mardiyah Sofiatul Munawwaroh Sofyan Sauri Suhaemi, Siti Sulthan, Achmad Suprianik Suprianik Suprianik, Suprianik Sururroh, Ifana Dwi Ufia Amila Ulfah, Mariyah Umamah, Lidhatul Wardhana, Firmansyah Shidiq Widad, Ahmad Syarif Khusnul Yazidul Fawaid Yusril Firmansyah Zaini, Umi Kulsum Zakkiyah, Hafidhotuz Zeiniye Zeiniye