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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah International Journal of Economics Development Research (IJEDR)
Rizki Munaito Siregar
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Social Sciences

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Penerapan Sistem Gadai Emas pada Bank Syariah Indonesia KCP Gunung Tua Rizki Munaito Siregar; Reni Ria Armayani Hasibuan
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i3.20783

Abstract

Bank Syariah Indonesia KCP Gunung Tua is a financial institution that mediates community needs through its various products and services. One of the products owned by BSI KCP Gunung Tua is a pawn financing product (rahnemas) which is financing for productive and consumptive needs provided to all people who need funds with gold as their marhun. constraints and obstacles faced by banks in financing gold pawning at BSI KCP Gunung Tua. This study uses a qualitative research method, in which researchers will describe or describe the gold pawn system at the Indonesian Sharia Bank KCP Gunung Tua. Based on the research results, it was found that the gold pawn system at Bank Syariah Indonesia KCP Gunung Tua has implemented a service system that is easy, fast, cheap and safe and is in accordance with DSN MUI Fatwa No.25/DSN-MUI/III/2002 dated 26 June 2002 about rahn which explains the provisions of pawning practices in accordance with Islamic law. One of them is "the cost of maintaining and storing marhun cannot be determined based on the amount of the loan". forgot the payment due date.
Implementation of Mutlaqah Mudharabah Agreement on Hajj Savings Products at Bank Syariah Indonesia KCP Gunung Tua Rizki Munaito Siregar; Ahmad Perdana Indra; Tuti Anggraini
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 2 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i2.5234

Abstract

Hajj is one of the pillars of Islam that must be believed and carried out by every Muslim who has fulfilled the mandatory requirements which will perfect the fifth pillar of Islam. The Hajj pilgrimage is actually an obligation for Muslims. Bank Syariah Indonesia Gunung Tua Sub-Branch Office is one of the sharia financial institutions that provides services for the Hajj pilgrimage using a system that can make it easier for customers, namely Hajj savings. This savings aims to make it easier for prospective Hajj pilgrims by setting aside some of their money so they can pay for expenses. pilgrimage trip. This research uses field research, with qualitative research methods to explore data through interviews, observation and data analysis. The research results obtained are that the implementation of the mutlaqah mudharabah agreement on the Hajj savings of Bank Syariah Indonesia KCP Gunung Tua is in accordance with sharia and the terms of the mudharabah contract. And the system used by Bank Syariah Indonesia KCP Gunung Tua is revenue sharing, meaning that the Indonesian bank as mudharib and the customer as shahibul mall receive a profit share from the bank's total income. Bank Syariah Indonesia has been very helpful, making it very easy for customers to be able to fulfill their wish of getting a Haj portion number and continuing on to the holy land.
Co-Authors Ahmad Perdana Indra Reni Ria Armayani Hasibuan Tuti Anggraini