PENGARUH METODE PENAKSIRAN GADAI EMAS TERHADAP PENGAMBILAN KEPUTUSAN NASABAH BANK SYARIAH INDONESIA KC SURABAYA DARMO
Abstract
Recovery after the COVID-19 pandemic is one of the factors in the decline in people's purchasing power. Where the policy of termination of employment for employees makes the community unproductive and has no income. To overcome this, people need alternative solutions that are fast and appropriate to get money in order to meet their needs. Gold pawning institutions become an alternative that is considered appropriate because with public investment in the form of gold and jewelry, they can be pawned to use their value. Bank Syariah Indonesia is a banking institution that has several superior products, one of which is the Gold Pawn which runs its operations based on sharia. This study uses quantitative research methods with a causal associative approach aimed at knowing and analyzing the causal relationship between two or more variables. The results of this study indicate the gold pawning method of BSI KC Surabaya Darmo and its influence on customer decision making. The appraisal practice is in accordance with sharia theory because the terms and conditions have been met. From this study it can be concluded that there is an influence between the assessment method on customer decision making.
Downloads
References
Arikunto, Suharshmi, Prosedur Penelitian Suatu Pendekatan Praktik (Jakarta: Rineka Cipta, 2014)
Badan Pusat Statistik, ‘Ekonomi Indonesia Triwulan II 2021 Tumbuh 7,07 Persen (y-on-Y)’, 2021 <https://www.bps.go.id/pressrelease/2021/08/05/1813/ekonomi-indonesia-triwulan-ii-2021-tumbuh-7-07-persen--y-on-y-.html> [accessed 13 February 2022]
Bank Indonesia, ‘SE BI No.14/7/DPbS Tanggal 29 Februari 2012 Tentang Qardh Beragun Emas’, 2012
Bank Syariah Indonesia, ‘BSI Gadai Emas’, 2021 <https://bsimobile.co.id/promo_bsi-gadai-emas/> [accessed 13 February 2022]
Bank Syariah Indonesia, ‘Sejarah Perseroan’, 2021 <https://ir.bankbsi.co.id/corporate_history.html> [accessed 13 February 2022]
Fatwa DSN-MUI Nomor 25/DSN-MUI/III/2002, ‘Fatwa Dewan Syariah Nasional Nomor: 25/DSN-MUI/III/2002 Tentang Rahn’, Journal de Jure, 7.1 (2002), 160
Fatwa DSN-MUI Nomor 26/DSN-MUI/III/2002, ‘Fatwa Dewan Syariah Nasional Tentang Rahn Emas’, Journal de Jure, 7.1 (2002), 1–3
Ghozali, Imam, Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25, cet. 8 (Semarang: Universitas Diponegoro, 2018)
Harahap, Ardhansyah Putra, Bank Dan Lembaga Keuangan Lainnya, Jilid 1 (Surabaya: CV. Jakad Media Publishing, 2020)
Indonesia, Republik, ‘Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah’, Https://Peraturan.Bpk.Go.Id/, 2008 <https://peraturan.bpk.go.id/Home/Details/39655/uu-no-21-tahun-2008>
Indonesia, Republik, ‘Undang Undang Nomor 10 Tahun 1998 Tentang Perubahan Atas UU Nomor 7 Tahun 1992’, Https://Peraturan.Bpk.Go.Id/, 1998, 63 <https://peraturan.bpk.go.id/Home/Details/45486/uu-no-10-tahun-1998%0Ahttp://www.komnasham.go.id/sites/default/files/dokumen/UU NO 39 TAHUN 1999 HAM_0.pdf>
Irwoana, Fany, ‘Strategi Pemasaran Gadai Emas Pada Produk Rahn PT.Bank Aceh Syariah Cabang S.Parman’, 2017
Jazulia, R. Rama Riyan, ‘Analisis Dampak Nilai Taksir , Biaya Dan Pelayanan Terhadap Keputusan Nasabah : Studi Kasus Di Pegadaian Syariah Unit Bunul Kota Malang’, Jurnal Ekonomi Syariah, 3.2 (2018), 1–24
Karomatun Ni’mah, Joko Hadi Purnomo, Niswatin Nurul Hidayat, ‘Pengaruh Marketing , Nilai Taksiran Dan Biaya Titip Pada Gadai Emas Terhadap Minat Nasabah’, Jurnal Lisan Al- Hal, 14.1 (2020), halaman 5
Kasmir, Analisis Laporan Keuangan, Cet. 11 (Jakarta: Rajawali pers, 2018)
Kementerian Agama Republik Indonesia, Al-Quran Dan Terjemahan Edisi Tajwid Aliyan (Solo: Tiga Serangkai, 2016)
Kompas, ‘Catat Ini Daftar Terbaru 17 Bisnis Gadai Ilegal’, 2021 <https://money.kompas.com/read/2021/03/05/191346026/catat-ini-daftar-terbaru-17-bisnis-gadai-ilegal?page=all> [accessed 13 February 2022]
Lupiyoadi, Rambat, Manajemen Pemasaran Jasa: Berbasis Kompetensi (Jakarta: Salemba Empat, 2018)
Muhamad, Heykal, ‘Praktik Gadai ( Rahn ) Emas Pada Perbankan Syariah (Studi Kasus Pada Bank BRI Syariah KCP Bangkalan)’, 2016, 11
OJK, ‘SEOJK No 53/SEOJK.05/2017 Penyelenggaraan Usaha Perusahaan Pergadaian Yang Menyelenggarakn Kegiatan Usaha Berdasarkan Prinsip Syariah’, 2017, 1–22
OJK, ‘Standar Produk Perbankan Syariah Murabahah’, 2016, 1–166 <https://www.ojk.go.id/id/kanal/syariah/berita-dan-kegiatan/publikasi/Documents/Pages/Buku-Standar-Produk-Perbankan-Syariah-Murabahah/Buku Standar Produk Murabahah.pdf>
Sari, Febrina, Metode Dalam Pengambilan Keputusan, Cetakan 1 (Yogyakarta: Deepublish, 2017)
Sari, Nova Purnama, ‘Analisis Implementasi Gadai Emas Pada Pegadaian Syariah Dan Bank Syariah Mandiri Ditinjau Dari Sharia Compliance (Studi Pada Pegadaian Syariah Kota Metro Dan Studi Pada Bank Syariah Mandiri Kota Metro)’, 2021
Sudarsono, Heri, Bank & Lembaga Keuangan Syariah: Deskripsi Dan Ilustrasi, Edisi 3 (Yogyakarta: Ekonisia, 2015)
Sudaryono, Manajemen Pemasaran Teori Dan Implementasi, Edisi 1 (Yogyakarta: ANDI, 2016)
Sugiyono, Statistika Untuk Penelitian (Bandung: CV. Alvabeta, 2019)
Suhendi, Hendi, Fiqih Muamalah, Cet. 12 (Jakarta: Rajawali pers, 2019)
Sukiyat, Miftah Ulya, Nurliana, Hadis-Hadis Mu’amalah, Cetakan Pe (Yogyakarta: Kalimedia, 2020)
Copyright (c) 2022 Siti Khoiriyah, Khusnul Fikriyah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Abstract viewed = 628 times
FULL TEXT PDF downloaded = 791 times
