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IMPLEMENTASI KONSEP BANK EMAS PADA PT PEGADAIAN (STUDI KASUS: TRANSFORMASI DARI GADAI KE BANK EMAS) Risqy Kurniawan, Rachmad
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 1 (2025): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i1.406

This research is motivated by the difference between the ideal function of gold banks as a place to store and invest in gold and the practice of PT Pegadaian which makes gold as the main guarantee of credit loan products. This study aims to analyze the implementation of the gold bank concept in PT Pegadaian as a case study. The research method used is descriptive qualitative with a juridical normative approach, which examines the conformity between the legal basis and the implementation of Bullion Bank practices at PT Pegadaian. This research will examine the operational aspects of gold services at Pegadaian and review the related legal basis. The results of the research indicate that the implementation of the Bullion Bank concept at PT Pegadaian is not fully aligned with the ideal function of a Bullion Bank as a storage and investment institution, nor with the role of PT Pegadaian as a credit provider with gold pawn collateral. The conclusion of this research is that Pegadaian's transformation into a Bullion Bank, supported by POJK No. 17 of 2024, expands its services from gold pawn to gold savings, gold installments, and gold trading, while also presenting challenges related to reserve management, the risk of unproductive asset accumulation, gold price volatility, and the potential for a bubble economy.

IMPLEMENTASI KONSEP BANK EMAS PADA PT PEGADAIAN (STUDI KASUS: TRANSFORMASI DARI GADAI KE BANK EMAS) Risqy Kurniawan, Rachmad
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 1 (2025): Jurnal Al Hisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i1.406

This research is motivated by the difference between the ideal function of gold banks as a place to store and invest in gold and the practice of PT Pegadaian which makes gold as the main guarantee of credit loan products. This study aims to analyze the implementation of the gold bank concept in PT Pegadaian as a case study. The research method used is descriptive qualitative with a juridical normative approach, which examines the conformity between the legal basis and the implementation of Bullion Bank practices at PT Pegadaian. This research will examine the operational aspects of gold services at Pegadaian and review the related legal basis. The results of the research indicate that the implementation of the Bullion Bank concept at PT Pegadaian is not fully aligned with the ideal function of a Bullion Bank as a storage and investment institution, nor with the role of PT Pegadaian as a credit provider with gold pawn collateral. The conclusion of this research is that Pegadaian's transformation into a Bullion Bank, supported by POJK No. 17 of 2024, expands its services from gold pawn to gold savings, gold installments, and gold trading, while also presenting challenges related to reserve management, the risk of unproductive asset accumulation, gold price volatility, and the potential for a bubble economy.

Implementasi Bank Emas di Indonesia: Analisis Hukum Positif dan Tinjauan Syariah (Studi Kasus Bank Syariah Indonesia) Kurniawan, Rachmad Risqy
AHKAM Vol 4 No 2 (2025): JUNI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i2.5615

This research is motivated by the inauguration of Bank Emas (Gold Bank), which has become a topic of discussion among the public and raises regulatory and Sharia challenges that require analysis. The objective of this study is to discuss the Implementation of Bank Emas in Indonesia: An Analysis of Positive Law and Sharia Review (Case Study of Bank Syariah Indonesia). This research examines the legal basis, including the P2SK Law and relevant OJK Regulations, and evaluates the products and services of Bank Emas BSI based on the DSN-MUI fatwa and the principles of Islamic muamalah. The research method employed is a literature study and qualitative analysis of statutory regulations, religious edicts (fatwa), and related secondary data, using a normative juridical approach. The research findings indicate that: 1) From a positive law perspective, specific regulations detailing the operations of Bank Emas in Indonesia are stipulated in OJK Regulation Number 17 of 2024, as a derivative of the P2SK Law. 2) From a Sharia perspective, the concept of Bank Emas is considered in line with the principles of fiqh muamalah, provided that it adheres to valid contract stipulations, avoids usury (riba), and maintains fairness in transactions. The case study at BSI shows the potential for implementing the gold bank concept through its existing products, including Digital Gold Savings, Gold Installments, Digital Gold Trading, Gold Pawn, and Gold ATMs, which facilitate public access to gold investment and transactions. These products are in accordance with the positive legal framework, although they may not yet fully comply with Islamic Sharia principles. This research recommends the necessity of synergy between regulatory authorities, fatwa institutions, and Islamic banking to formulate a legal framework and business model for Bank Emas that aligns with both positive law and Sharia principles.

Framework Manajemen Risiko Pada Perusahaan Konsultan Politik Kurniawan, Rachmad Risqy; Santoso, Fatimah Zahrah
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 6 (2024): COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v4i6.1380

PT. XYZ adalah perusahaan yang bergerak di bidang jasa konsultan politik dan media. pengelolaan risiko di PT. XYZ masih dilakukan secara manual, dengan mencatat risiko yang sudah terjadi maupun potensi risiko yang mungkin terjadi dalam suatu dokumen tanpa panduan yang jelas dan sistematis. Maka tujuan dari penelitian ini adalah merancang framework (kerangka kerja) manajemen risiko yang tepat dan sesuai dengan PT. XYZ. Metode penelitian yang digunakan adalah kualitatif-deskriptif dengan teknik pengumpulan data menggunakan metode studi literatur. Framework (kerangka kerja) penerapan manajemen risiko yang diajukan dalam penelitian ini pada PT. XYZ menggunakan paradigma ISO 31000:2018 dibanding dengan menggunakan COSO ERM 2004 karena kesesuaian dengan kebutuhan manajemen puncak untuk mengakomodasi aspirasi pemegang saham yakni meningkatkan valuasi perusahaan.

Zakat Produktif dan Penyaluran Zakat dalam Perspektif Tafsir Al-Quran Rachmad Risqy Kurniawan; Orvala Nu’aimah Azzahra
Ulumul Qur'an: Jurnal Kajian Ilmu Al-Qur'an dan Tafsir Vol. 3 No. 2 (2023): Ulumul Qur'an: September 2023
Publisher : Program Studi Ilmu Al-Quran dan Tafsir STIU Darul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar

Zakat produktif adalah zakat yang digunakan melalui berbagai program dan inisiatif yang bertujuan untuk meningkatkan kesejahteraan dan pemberdayaan masyarakat. Penyaluran zakat secara produktif selama ini didasarkan pada sebuah hadis dari Abdullah Bin Umar dari Ayahnya, namun hadis itu bukan terkait dengan zakat produktif namun pemberian biasa. Maka diperlukan penelitian khusus untuk menentukan legitimasi hukum Islam terhadap zakat produktif yang sudah berlaku saat ini. Salah satunya dengan cara menggali hukum (istinbat hukum) dari Al-Quran dan tafsirnya. Penelitian ini merupakan penelitian kepustakaan (library research) dengan menggunakan literatur (kepustakaan) dengan metode penafsiran maudhu’i (tematik). Hasil penelitian mengungkapkan bahwa zakat produktif bukanlah cara penyaluran zakat yang sesuai dengan tafsir QS At-Taubah ayat 60. Sedangkan Allah SWT dalam tafsir QS At-Taubah ayat 60 telah menetapkan bahwa tujuan zakat adalah untuk memenuhi kebutuhan mustahik yang mendesak, bukan malah menjadi modal usaha apalagi untuk pengentasan kemiskinan yang dalam prakteknya zakat produktif terbukti tidak efektif dalam meningkatkan pendapatan mustahik atau mengentaskan kemiskinan mustahik. Sedangkan tugas pengentasan kemiskinan merupakan tugas pemerintah melalui serangkaian kebijakan, tidak hanya mengandalkan zakat.

Mengolah Limbah Plastik Menjadi Kerajinan Tangan Sebagai Cikal Bakal Wirausaha Baru Bagi Sivitas Akademika Risqy Kurniawan , Rachmad; Nursi , Mulyadi
IKRA-ITH ABDIMAS Vol. 9 No. 1 (2025): Jurnal IKRAITH-ABDIMAS Vol 9 No 1 Maret 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikra-ithabdimas.v9i1.4153

Masalah pencemaran lingkungan, apalagi yang disebabkan oleh aktivitas manusia salah satunya yaitu sampah khususnya sampah plastik tidak lepas dari tanggung jawab manusia. Oleh karena itu diperlukan tindakan preventif agar jumlah dari sampah plastik dapat dikurangi, serta perlu adanya tindakan pengolahan sampah menjadi kerajinan tangan sehingga potensi kerusakaan tersebut menjadi peluang usaha baru. Metodologi yang digunakan dalam kegiatan ini metode Participatory Action Research (PAR) dengan cara 5T (To Know, To Understand, To Plan, To Action, To Reflection). Hasil kegiatan ini menunjukkan bahwa potensi pengolahan limbah plastik menjadi kerajinan tangan sangatlah besar. Dengan pengolahan secara professional, limbah plastik dapat diolah menjadi berbagai produk kerajinan tangan yang bernilai ekonomi, sehingga dapat dikelola dan dikembangkan menjadi usaha baru dan cikal bakal wirausaha baru khususnya bagi sivitas akademika.

Transformasi PT Bank Syariah Indonesia Tbk Menjadi BUMN: Analisis Komprehensif Perspektif Yuridis, Dampak Ekonomi, dan Syariah Rachmad Risqy Kurniawan
Journal of Economic and Business Advancement Vol. 1 No. 3 (2026): March: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/h582bm72

This article examines the institutional transformation of PT Bank Syariah Indonesia Tbk into a state-owned enterprise (BUMN) through a comprehensive conceptual framework integrating legal restructuring, economic governance, and Shariah legitimacy. Employing a non-empirical and interpretative-critical approach, the study synthesizes international literature on corporate governance, economic analysis of law, and Islamic finance, alongside normative sources such as regulatory documents, corporate disclosures, and authoritative fatwas. The analysis highlights that BSI’s new persero status strengthens state capacity to position Islamic banking as a strategic development instrument, potentially enhancing scale, competitiveness, and financial inclusion. At the same time, it raises governance challenges, including risks of self-dealing, political intervention, and bureaucratic rigidity that may weaken market discipline. From a Shariah perspective, institutional legitimacy depends on substantive compliance, effective supervision by the Shariah Supervisory Board, and alignment with maqasid al-shariah objectives.

Strategic HRM, Digital Marketing Capability, and Startup Performance: The Mediating Role of Entrepreneurial Orientation in Generation Z Digital Startups Nursi, Mulyadi; Risnawati, Henny; Gustiawan, Deni; Kurniawan, Rachmad Risqy
Indonesian Journal of Business and Entrepreneurship Research Vol. 4 No. 2 (2026): Vol. 4, No. 2, May 2026: Indonesian Journal of Business and Entrepreneurship Re
Publisher : Department of Business and Entrepreneurship, Faculty of Economics and Business, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v4i2.224

ABSTRACT This study examines the effect of Strategic Human Resource Management and Digital Marketing Capability on Generation Z Digital Startup Performance, with Entrepreneurial Orientation as a mediating variable. The research addresses the limited integration of organizational capability and entrepreneurial orientation perspectives in explaining startup performance. A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with data from 200 founders and managers of digital startups in Indonesia. The results indicate that Strategic HRM and Digital Marketing Capability have positive and significant effects on both Entrepreneurial Orientation and startup performance. Entrepreneurial Orientation partially mediates these relationships. The structural model demonstrates strong explanatory power (R² = 0.62) and satisfactory goodness-of-fit indicators. The findings suggest that organizational capabilities must be activated through entrepreneurial orientation to generate superior performance. This study contributes to the development of an integrative capability-based framework within the context of Generation Z digital startups and provides strategic implications for integrated HR and digital marketing management.

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