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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL AGRICA Community Engagement and Emergence Journal (CEEJ) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Agriuma 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 Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Jurnal bintang manajemen Journal of Management and Social Sciences Maslahah: Jurnal Manajemen dan Ekonomi Syariah INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) Proceeding of The International Conference on Management, Entrepreneurship, and Business
Yusniar Lubis
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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 Awang Firdaos Azwana Azwana Azwana Cut Dian Izabella Dumalina Lubis Erwin Pane Fachry Abda El Rahman Fajar Rezeki Ananda Lubis Gustami Harahap Gustiansyah Perdhana Putra Hadisaputra Hadisaputra Hafiz Ahmad Hamidah Sari Siregar Hasnudi Hasnudi Hasudungan Siregar Husainah Yusuf Ivan Setyastiawan Junaidi Junaidi M. Akbar Siregar Mohammad Iqbal Muhammad Denni Mutiara Minsih Normansyah Normansyah Permata, Indah Dewi RAHMANIAH RAHMANIAH Rahmanta Ginting Resmiwati Isnaini Rilus Kinseng Robert Tua Siregar Rudi Salam Sinaga Rudsel Triana Silalahi, Cheery Patricia Br Sofiyan Syahbudin Syaifuddin Theodora Ginting Munthe Yusuf Ronny Edward Zawil Huda Mustaid