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All Journal Perisai : Islamic Banking and Finance Journal AT-TIJARAH: Journal Islamic Banking and Finance Research
Warang, Japri Yusrifal
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Economics, Econometrics & Finance

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Sharia Governance Analysis on Microfinance Arrum BPKB at Branch Pegadaian Syariah Blauran Surabaya City Warang, Japri Yusrifal; Mustofa, Mustofa; Ritonga, Iskandar
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1691

Abstract

This study tried to see (1). How the Pegadaian Syariah Branch Blauran Surabaya City conductsmicrofinancing Arrum BPKB. (2). How the Sharia Pegadaian Branch Blauran Surabaya City implements Sharia Governance in Arrum BPKB microfinancing . This type of research combines qualitative methodology with field research. Interviews, observations, recordings, note-taking, and documentation are used to collect data. The informants in this study are leaders, micro staff and microfinance customers. The research findings show, (1). The practiceof microfinancing Arrum BPKB at Pegadaian Syariah Branch Blauran is line with guidelines fatwa number 25/DSN-MUI/III/2002 concerning Rahn, and fatwa nomor 68/DSN-MUI/III/2008 concerning Rahn Tasjily. Meanwhile, microfinance using Arrum BPKB is carried out using two contracts, namely: the Rahn contract as a contract to hold marhun and Ijarah as a contract to obtain rental fees for marhun savings services. There are three mechanisms in financing Arrum BPKB including, a. Stages of applying for financing, b. Stages of financing decisions, c. Stages after financing. (2) . Arrum BPKB at Pegadaian Syariah Branch Blauran financing starts from the stages of applying for financing, financing decisions and after financing there is conformity with Sharia Governance which consists of five principles, namely: the principle of transparency, the principle of accountability, the principle of responsibility, the principle of independence and the principle of justice. Keywords: Sharia governance, Microfinance, Arrum BPKB, and Sharia Pawnshop.
OPTIMIZATION OF QARD FINANCING IN MICRO BUSINESS DEVELOPMENT AT BWM AL-ANSHOR PEDULI AMBON Holle, Mohammad H; Warang, Japri Yusrifal
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 1 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v6i1.3265

Abstract

The research aims to determine the optimization of qard financing in the development of micro businesses at the Al-Anshor Peduli Ambon Micro Waqf Bank. This research uses field studies with a case study approach. The data collection technique uses observation, interviews and documentation. Data is collected then processed and analyzed using a descriptive-qualitative mindset with a deductive nature. Research results: 1. Optimization of qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank was carried out in groups consisting of 15-25 members. These business actors then apply for financing in the form of loans with a value of IDR 1 million up to a maximum limit of IDR 3 million without any collateral or collateral. This financing is then tied into a contract or financing agreement called qard. To overcome bottlenecks, member financing installments are carried out jointly. 2. Qard financing at the Al-Anshor Peduli Ambon Micro Waqf Bank has had a positive impact on business development for micro business actors who take out this financing. Either to add working capital to cover the lack of funds needed by customers or to start a business or in order to develop the business of micro business actors in the city of Ambon using qard contracts.
Co-Authors Iskandar Ritonga Mohammad H. Holle Mustofa Mustofa