ANALISIS PRODUK GADAI EMAS DI BANK SYARIAH (Penelitian Pada Bank Syariah Mandiri Kantor Cabang Pembantu Indramayu)

Abstract

This study aims to describe the Implementation and Mechanism of Gold Pawn in Syariah Bank Mandiri of Branch Office Indramayu. This research was conducted a qualitative approach and descriptive survey research method. Based on the results of this study, Mandiri Syariah Bank of Indramayu in order to seek innovation in the form of increasing value to the estimated types of goods in the form of diamonds contained in gold in the form of jewelry, so as to improve the quality of service through the level of customer satisfaction based on estimated results, as well as perfecting the contract used through DSN instruction Number 79 / DSN-MUI / IV / 2014 concerning Financing Accompanied by Rahn, without having to use a variety of contracts, because the contracts are considered more specific and detailed in the Gold Pawn operational techniques. Penelitian ini bertujuan untuk mendeskripsikan tentang Implementasi dan Mekanisme Gadai Emas yang ada di Bank Syariah Mandiri Kantor Cabang Pembantu (KCP) Indramayu. Penelitian ini dilakukan dengan menggunakan pendekatan kualitatif dan metode penelian deskriptif jenis survey. Berdasarkan hasil penelitian ini, Bank Syariah KCP Indramayu agar dapat mengupayakan inovasi berupa penambahan nilai taksiran terhadap jenis barang berupa Intan/Permata yang terkandung dalam Emas berupa perhiasan, sehingga dapat meningkatkan mutu pelayanan melalui tingkat kepuasan nasabah berdasarkan hasil taksiran, serta menyempurnakan akad yang digunakan melalui Fatwa DSN Nomor 79/DSN-MUI/IV/2014 tentang Pembiayaan yang Disertai Rahn, tanpa harus menggunakan bermacam-macam akad, karena akad tersebut dinilai lebih spesifik dan detail dalam tekhnis operasional Gadai Emas.