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All Journal EKONOMIKA SYARIAH : Journal of Economic Studies Al-Tijary : Jurnal Ekonomi dan Bisnis Islam EKONOMIKA SYARIAH : Journal of Economic Studies
Alias Candra
UIN Sultan Aji Muhammad Idris Samarinda
Economics, Econometrics & Finance

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Upaya Bank Kaltim Syari’ah Unit Usaha Syari’ah (UUS) Dalam Menghindari Spekulasi Pada Produk Gadai Emas Alias Candra
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 2 (2019): Juli-Desember 2019
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (621.478 KB) | DOI: 10.30983/es.v3i2.939

Abstract

The research was raised from the issue of speculation on gold pawning products, where gold pawning products were not used as they should. Based on the research objectives mentioned above, the design of the research is a field research using a qualitative method that uses a sample of 400 gold pawning product customers, as well as the Kaltim Syari'ah Bank Syariah Business Unit as a gold pawning product service provider, The research reveals that the practice of gold pawning can pose risks for both customers and banks, because basically Islam has banned this speculation practice so that unwanted risks occur in running a business. The research shows that the gold pawning product has been carried out according to Bank Indonesia regulations and avoided speculation, as well as the motives carried out by customers in conducting gold pawning transactions are in accordance with the main purpose of the gold pawning product, to meet urgent needs, such as education costs, fees health, housing construction, and venture capital. Penelitian ini diangkat dari masalah spekulasi pada produk gadai emas, di mana produk gadai emas tidak digunakan sebagaimana mestinya. Berdasarkan tujuan penelitian yang disebutkan di atas, desain penelitian adalah penelitian lapangan menggunakan metode kualitatif yang menggunakan sampel 400 pelanggan produk gadai emas, serta Unit Usaha Syariah Bank Syariah Kaltim Syari'ah sebagai layanan produk gadai emas Penyedia, Penelitian ini mengungkapkan bahwa praktik gadai emas dapat menimbulkan risiko bagi pelanggan dan bank, karena pada dasarnya Islam telah melarang praktik spekulasi ini sehingga risiko yang tidak diinginkan terjadi dalam menjalankan bisnis. Penelitian menunjukkan bahwa produk gadai emas telah dilakukan sesuai dengan peraturan Bank Indonesia dan menghindari spekulasi, serta motif yang dilakukan oleh pelanggan dalam melakukan transaksi gadai emas sesuai dengan tujuan utama produk gadai emas, untuk memenuhi kebutuhan mendesak, seperti biaya pendidikan, biaya kesehatan, pembangunan perumahan, dan modal ventura.
Asimetri Informasi pada Pembiayaan Pemilikan Rumah di Bank Syari’ah Mandiri Alias Candra
Al-Tijary Al-Tijary, Vol. 2, No. 1, Desember 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (251.373 KB) | DOI: 10.21093/at.v2i1.619

Abstract

Development Bank of Shari'ah is currently experiencing rapid growth. However this has not been accompanied by an understanding of the community of the operational system and the Shari’ah banking products. So also with the implementation of the product, it still has things that are Shari’ah can be debated. Particularly on financing products, is seen still there applying the asymmetry of information legally muamalah Islam is not permitted. Therefore, the need to study in-depth research for the sake of improvement of the system and the governance of Shari’ah banking that comply with Islamic jurisprudence. This article examines about things related to the asymmetry of information on financing products possession with the Akad Murabaha.
Upaya Bank Kaltim Syari’ah Unit Usaha Syari’ah (UUS) Dalam Menghindari Spekulasi Pada Produk Gadai Emas Alias Candra
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 2 (2019): Juli-Desember 2019
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (621.622 KB) | DOI: 10.30983/es.v3i2.939

Abstract

The research was raised from the issue of speculation on gold pawning products, where gold pawning products were not used as they should. Based on the research objectives mentioned above, the design of the research is a field research using a qualitative method that uses a sample of 400 gold pawning product customers, as well as the Kaltim Syari'ah Bank Syariah Business Unit as a gold pawning product service provider, The research reveals that the practice of gold pawning can pose risks for both customers and banks, because basically Islam has banned this speculation practice so that unwanted risks occur in running a business. The research shows that the gold pawning product has been carried out according to Bank Indonesia regulations and avoided speculation, as well as the motives carried out by customers in conducting gold pawning transactions are in accordance with the main purpose of the gold pawning product, to meet urgent needs, such as education costs, fees health, housing construction, and venture capital. Penelitian ini diangkat dari masalah spekulasi pada produk gadai emas, di mana produk gadai emas tidak digunakan sebagaimana mestinya. Berdasarkan tujuan penelitian yang disebutkan di atas, desain penelitian adalah penelitian lapangan menggunakan metode kualitatif yang menggunakan sampel 400 pelanggan produk gadai emas, serta Unit Usaha Syariah Bank Syariah Kaltim Syari'ah sebagai layanan produk gadai emas Penyedia, Penelitian ini mengungkapkan bahwa praktik gadai emas dapat menimbulkan risiko bagi pelanggan dan bank, karena pada dasarnya Islam telah melarang praktik spekulasi ini sehingga risiko yang tidak diinginkan terjadi dalam menjalankan bisnis. Penelitian menunjukkan bahwa produk gadai emas telah dilakukan sesuai dengan peraturan Bank Indonesia dan menghindari spekulasi, serta motif yang dilakukan oleh pelanggan dalam melakukan transaksi gadai emas sesuai dengan tujuan utama produk gadai emas, untuk memenuhi kebutuhan mendesak, seperti biaya pendidikan, biaya kesehatan, pembangunan perumahan, dan modal ventura.
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