JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

Peran Pembiayaan Rahn Emas Dalam mengatasi Permasalahan Likuiditas Bank Syariah di Tengah Kenaikan Harga Emas (Studi Kasus Bank Aceh Syariah Cabang Sisingamangaraja Medan)

Shofiyani, Leni (Unknown)
Nurlaila (Unknown)
Anggraini, Tuti (Unknown)

Article Info

Publish Date
08 Jun 2026

Abstract

This study analyzes the implementation of gold rahn financing and its role in addressing liquidity issues amid rising gold prices at PT Bank Aceh Syariah, Sisingamangaraja Branch, Medan. Using a descriptive qualitative approach, data was collected through interviews, observations, and documentation. The findings show that gold rahn financing involves application submission, gold appraisal, contract execution, and fund disbursement using qardh, rahn, and ijarah contracts. This scheme supports bank liquidity through its short-term nature, low risk, and highly liquid gold collateral. Rising gold prices further increase collateral value, financing demand, and fund turnover. Keywords: Gold Rahn Financing; Liquidity; Gold Prices

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...