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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah Indonesian Journal of Social Sciences, Policy and Politics (IJSSPP)
Marina Zulfa
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Economics, Econometrics & Finance Social Sciences

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Analysis Of Knowledge And Interest of Micro Business Actors In Sharia Business Loans PT. Sharia Pawn Marina Zulfa; Ficha Melina; Boy Syamsul Bakhri; Nurul Muyasaroh
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 7 No. 2 (2024): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2024.vol7(2).20659

Abstract

Loans at Sharia Pawnshops for micro businesses are a solution to meet capital and economic needs without violating sharia principles. This institution is designed to apply the principles of sharia economics in financial services, especially in small business financing. Riba is prohibited in every transaction, and profits must be obtained in accordance with sharia law. Sharia Pawnshops also support zakat obligations and play a role in empowering micro businesses through halal and fair financing.  This study aims to analyze the level of knowledge and interest of micro business actors in sharia business loans at PT. Sharia Pawnshop. This study evaluates how the understanding of micro business actors regarding sharia principles and Islamic financial products offered by Sharia Pawnshops affects their interest in using this service. This research is quantitative descriptive with a sample of 100 micro business actors from the city of Pekanbaru.  The study found that there was a significant relationship between knowledge and interest in decision-making. This means that the more knowledge a person has about business and finance, the more likely they are to be interested in borrowing money at a sharia pawnshop.
ANALYSIS OF THE UNDERSTANDING OF MICRO BUSINESS ACTORS ON THE USE OF BPKB ARRUM LOANS PT. PEGADAIAN SYARIAH Marina Zulfa; Melina, Ficha; Zulkifli; Hamzah
Indonesian Journal of Social Sciences, Policy and Politics Vol. 1 No. 1 (2023): February 2023, Indonesian Journal of Social Sciences, Policy and Politics (IJSS
Publisher : Yayasan Wayan Marwan Pulungan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69745/ijsspp.v1i1.61

Abstract

Sharia pawnshops are a type of business entity where individuals can obtain funds to help meet their financial needs. Pegadaian Syariah provides a variety of products and services that can help people overcome their financial problems. One of its superior products is Ar Rum, a financing program to empower MSMEs that use BPKB as collateral. The BPKB guarantee will remain under the control of Pegadaian, so that customers can still use their vehicles. This study aims to investigate the impact of Understanding on Arrum BPKB loan applications at PT. Sharia Pawnshop. The results showed that there was a significant relationship between the level of understanding in the decision-making process. In other words, the greater a person's understanding of business and financial aspects, the more likely they are to be interested in applying for a loan to a Sharia Pawnshop.
Co-Authors Boy Syamsul Bakhri Ficha Melina Hamzah Melina, Ficha Nurul Muyasaroh Zulkifli