Febriane, Fericha (2015) Studi Komparasi Gadai Emas Syariah (Studi Kasus Bank Bni Syariah, Bank Brisyariah Dan Bsm Cabang Malang). Sarjana thesis, Universitas Brawijaya.
Abstract
Gadai emas merupakan salah satu produk perbankan syariah yang memberikan pinjaman dengan menjaminkan emas, baik berupa lantakan maupun perhiasan. Perkembangan gadai emas di bank syariah terus meningkat bahkan setelah terjadi perselisihan antara salah satu bank syariah dengan nasabahnya terkait produk tersebut. Gadai emas selanjutnya dipertanyakan terkait mekanisme dan kesyariahannya. Kajian ini bertujuan untuk mengetahui mekanisme dan kesyariahan gadai emas di Bank BNI Syariah, Bank BRISyariah dan BSM Cabang Malang. Kajian ini menggunakan pendekatan kualitatif dengan strategi studi kasus. Hasil kajian menunjukkan bahwa secara garis besar mekanisme dan biaya gadai emas di ketiga bank syariah tersebut memiliki kesamaan. Beberapa perbedaan terletak pada bentuk emas jaminan, Financing To Value, tempat nasabah dilayani, serta dasar penetapan biaya. Namun ada hal-hal yang masih menjadi perdebatan terkait dengan tujuan, biaya dan multiakad yang digunakan. Terlepas dari adanya perbedaan pendapat tersebut, praktik gadai emas di bank syariah sudah sesuai dengan Fatwa DSN MUI No. 25/DSN-MUI/III/2002 tentang Rahn dan Fatwa DSN MUI No. 26/DSN-MUI/III/2002 tentang Rahn Emas
English Abstract
Gold pawn is one of Islamic banking products that provide loans by pledging gold, either bullion or jewelry. The development of pawn gold in Islamic banks continue to rise even after a dispute between one of the Islamic bank with customers related products. The next question related to pawning gold and how this product in sharia. This study aims to determine the mechanism and sharia of pawning gold in Bank BNI Syariah, Bank BRISyariah and BSM Branch Malang. This study used a qualitative approach with the strategy case study. The results showed that in broad outline the mechanism and the cost of gold pawn in three Islamic banks have in common. Some differences are in the form of gold collateral, Financing To Value, where customers are served, as well as basic costing. But there are things that are still being debated related to the interest pledge, costs and Hybrid Contract used. Regardless of their differences of opinion, the practice of pawning gold in Islamic banks are in accordance with the DSN MUI Fatwa No. 25/DSN-MUI/III/2002 tentang Rahn and DSN MUI Fatwa No. 26/DSN-MUI/III/2002 tentang Rahn Emas.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2015/275/ 051503508 |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.3 Credit and loan institutions > 332.34 Pawnshops |
| Depositing User: | Kustati |
| Date Deposited: | 28 May 2015 10:09 |
| Last Modified: | 20 Jan 2022 03:36 |
| URI: | http://repository.ub.ac.id/id/eprint/107858 |
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