Analisis Peran Pembiayaan Ar-rum BPKB oleh Pegadaian Syariah terhadap Pengembangan Usaha Mikro, Kecil, dan Menengah

Abstract

One of the problems in developing MSMEs is the limitation in providing capital due to; The availability of guarantees owned by MSMEs does not have a financing application requirement. One of the financing solutions offered Pegadaian Syariah (Rahn) is to issue ArRum products. The purpose of this study was to determine the role of BPKB Ar-rum financing by Sharia Pawnshops on the development of MSMEs at the Ar-hakim branch of Islamic Pawnshops. The approach used in this research is a quantitative descriptive approach. The data analysis technique used classical assumption analysis and statistical descriptive analysis. The data obtained by the author is in the form of primary data obtained directly from the source. The location of the research was carried out at the sharia pawnshop branch of ar Hakim. The results showed that Ar-rum financing had a positive and significant effect in developing Micro, Small, and Medium Enterprises on customers of the Syariag Pawnshop branch of Ar-hakim Medan. KEYWORD: MSMEs ; Sharia Pawn Shop ; Ar-rum