Analisis Persepsi Nasabah Terhadap Produk Gadai Emas Pada Pegadaian Syariah di Kota Langsa
Abstract
Financing services with gold pawn contracts provided by the Sharia Pawnshop Unit continue to increase from year to year. People who take advantage of loan funds by pawning gold at Sharia Pegadaian are interesting to analyze. This study aims to analyze two things. First, what is the gold pawn product service process at Pegadaian Syariah West Langsa Unit? Second, what is the customer's perception of gold pawn financing services with the Rahn agreement at the West Langsa Sharia Pawnshop Unit (UPS)? The method used to collect data is through two techniques. Through interviews with three West Langsa UPS managers. Then data was obtained through a questionnaire with a purposive sampling technique from 50 UPS West Langsa customers. Next, the data was analyzed using a qualitative approach. The results of the research found two things: First, the service process and gold pawning practices at UPS Langsa Barat are in accordance with sharia principles and in line with maqashid sharia in the principles of ta'awun and safeguarding assets. Second, the public's perception of gold pawning products at UPS Langsa Barat states that gold pawning services and practices are stated to be based on sharia concepts. All customers who filled out the questionnaire 100% stated that UPS West Langsa's service was friendly with a location that was easy to reach, and 82% stated that the gold pawn product had implemented the ta'awun (please help) principle.
Downloads
References
Abdul Razak, A., & Asutay, M. (2022). Financial inclusion and economic well-being: Evidence from Islamic Pawnbroking (Ar-Rahn) in Malaysia. Research in International Business and Finance, 59, 101557. https://linkinghub.elsevier.com/retrieve/pii/S0275531921001781
Abdullah, B., & Saebani, B. A. (2014). Metode Penelitian Ekonomi Islam (Muamalah) (Cet. ke-1). Pustaka Setia.
acehsatu.com. (2020). Terbuai Janji Manis Rentenir, Janda Cantik Dua Anak di Langsa Rela Pindah Agama. Harian AcehSatu. https://acehsatu.com/terbuai-janji-manis-rentenir-janda-cantik-dua-anak-di-langsa-rela-pindah-agama/
Bawono, R., Dayyan, M., & Faisal, F. (2023). Perlukah Sanksi Pidana Ekonomi Syariah di Aceh? Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 15(2), 373–387. https://doi.org/10.32505/JURISPRUDENSI.V15I2.5693
Darojatun, R. (2018). Tren Produk Halal, Gaya Hidup Syar’i dan Kesalehan Simbolik: Studi Tentang Muslim Kelas Menengah. Wardah, 19(2), 135–157. https://doi.org/10.19109/WARDAH.V19I2.2816
Dayyan, M. (2016). Resistensi Masyarakat Terhadap Perbankan Syari’ah di Kota Langsa. Esensi: Jurnal Bisnis Dan Manajemen, 6(2), 247–258. https://doi.org/10.15408/ess.v6i2.3571
Dayyan, M., Mardhiah, A., & Sembiring, M. (2019). Da’wah Experience, Spiritual, And Economic Resilience Of Jamaah Tabligh In Langsa Aceh. Jurnal Ilmiah Islam Futura, 19(2), 203. https://doi.org/10.22373/jiif.v19i2.4545
Diana, N., & Anita, W. F. (2018). Persepsi Masyarakat Tentang Gadai Emas di Pegadaian Syariah Cabang Karawang. Jurnal Buana Akuntansi, 3(1), 56–72. https://doi.org/10.36805/akuntansi.v3i1.228
Fatwa Dewan Syariah Nasional Nomor: 23/DSN-MUI/III/2002 Tentang Potongan Pelunasan Dalam Murabahah, Dewan Syariah Nasional MUI (2000).
Elsasari, F. B., & Sukardi, B. (2022). Analysis Determinants of Housewives to Control Saving Gold Behavior in Indonesian Sharia Pawnshops. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 8(1), 1–36. https://doi.org/10.36908/isbank.v8i1.334
Fauzia, I. Y., & Riyadi, A. K. (2014). Prinsip Dasar Ekonomi Islam Perspektif Maqashid al-Syari’ah (Cet. ke-1). Prenadamedia Group.
Habibah, N. U. (2017). Perkembangan Gadai Emas ke Investasi Emas pada Pegadaian Syariah. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 1(1), 81–97. https://doi.org/10.29313/AMWALUNA.V1I1.2095
Hanif Fadillah, N., Reza Kusuma, A., Syamsuri, S., Fadillah, N. H., Kusuma, A. R., & Jamal, J. (2021). Analisis Qanun (Lembaga Keuangan syariah) Dalam Penerapan Ekonomi Islam Melalui Perbankan Syariah di Aceh. Jurnal Ilmiah Ekonomi Islam, 7(3), 1705–1716. https://doi.org/10.29040/jiei.v7i3.3662
Ibrahim, A. (2012). Gala Dan Rahn: Analisis Korelasi Dari Perspektif Ekonomi Islam. Share: Jurnal Ekonomi Dan Keuangan Islam, 1(1). https://doi.org/10.22373/share.v1i1.716
Iqbal, M. & S. (2017). Rekontruksi Perjanjian Gala (Gadai Adat) Pada Masyarakat Adat Aceh Berbasis Syariah. Law Reform, 13(1), 98. https://doi.org/10.14710/lr.v13i1.15954
Jauhar, A. A.-M. H. (2023). Maqashid Syariah. Amzah.
Kasmir. (2012). Bank dan Lembaga Keuangan Lainnya (Cet. ke-11). Rajawali Pers.
Khairunnisa, E. (2023). Implementasi Ar-Rahnu Terhadap Penerimaan Pelanggan di Kota Langsa. Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital, 2(1), 73–82. https://doi.org/https://doi.org/10.58222/jemakbd.v2i1.217
Lubis, D. S. (2017). Kontroversi Hukum Pegadaian Syariah. Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan Dan Keperdataan, 3(2), 1–13. https://doi.org/10.24952/ALMAQASID.V3I2.1465
Mahmudahningtyas, A., & Manzilati, A. (2014). Analisis Kesyariahan Transaksi Rahn Emas (Studi Pada Pegadaian Syariah Cabang Landungsari Malang). Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 3(1). https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1560
Manahaar, P. (2019). Implementasi Gadai Syariah (Rahn) Untuk Menunjang Perekonomian Masyarakat di Indonesia. Dialogia Iuridica, 10(2), 97–104. https://doi.org/10.28932/DI.V10I2.1126
Marlinah, L. (2020). Peluang dan Tantangan UMKM Dalam Upaya Memperkuat Perekonomian Nasional Tahun 2020 Ditengah Pandemi Covid 19. JURNAL EKONOMI, 22(2), 118–124. https://doi.org/10.37721/JE.V22I2.644
Marni, A., Darmawijaya, E., & Fauzan, F. (2018). Study of Islamic Law in Ar-Rum Product on Defaults Settlement System in Sharia Pawnshop of Aceh Besar. PETITA: JURNAL KAJIAN ILMU HUKUM DAN SYARIAH, 3(2), 128–136. https://doi.org/10.22373/PETITA.V3I2.48
Moleong, L. J. (2010). Metodologi Penelitian Kualitatif. Remaja Rosdakarya.
Muhammad Abu Zahrah. (2008). Ushul Fiqh. Pustaka Firdaus.
Nasution, R. S. (2016). Sistem Operasional Pegadaian Syariah Berdasarkan Surah Al-Baqarah 283 pada PT. Pegadaian (Persero) Cabang Syariah Gunung Sari Balikpapan. Al-Tijary, 1(2), 93–119. https://doi.org/10.21093/AT.V1I2.529
Nurhayati, L., & Djamali, R. (2017). Pembiayaan Gadai Emas Konvensional dan Syariah. Jurnal Ilmiah Al-Syir’ah, 14(2), 69–87. https://doi.org/10.30984/as.v14i2.374
Nuroh Yuniwati, Emilia Dwi Lestari, & Anis Alfiqoh. (2021). Pegadaian Syariah : Penerapan Akad RAHN pada Pegadaian Syariah. An-Nisbah: Jurnal Perbankan Syariah, 2(2), 189–199. https://doi.org/10.51339/nisbah.v2i2.253
Nursyamsu, N. (2016). Gadai Emas di Perbankan Syariah. Bilancia: Jurnal Studi Ilmu Syariah Dan Hukum, 10(2), 113–132. https://doi.org/10.24239/BLC.V10I2.292
pegadaian. (2022). ttps://www.pegadaian.co.id/produk/gadai-emas-syariah.
Ramadhani, D. T. (2020). Analisis Gadai Emas Berdasarkan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Pada Pegadaian Syariah (Studi Pegadaian Syariah Unit Pasar Sentral Makassar) [Universitas Islam Negeri Alauddin Makassar]. In Tesis. https://repositori.uin-alauddin.ac.id/16110/
Respati, A. R., & Sukmana, Y. (2024). Pegadaian Syariah dan Kilau Emas pada 2024. Kompas.Com. https://money.kompas.com/read/2024/01/05/152718926/pegadaian-syariah-dan-kilau-emas-pada-2024
Roficoh, L. W., & Ghozali, M. (2018). Aplikasi Akad Rahn Pada Pegadaian Syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(2). https://doi.org/10.30651/JMS.V3I2.1736
Safitri, N. D., & Wati, A. (2023). Analisis Perkembangan Pegadaian Syariah di Indonesia. Muẚṣarah: Jurnal Kajian Islam Kontemporer, 5(1), 22–32. https://doi.org/10.18592/MSR.V5I1.9375
Saputra, J., & Soemitra, A. (2022). Literature Study Analysis of Sharia Pawnshops in Indonesia. AGHNIYA: Jurnal Ekonomi Islam, 4(1), 95–119. https://doi.org/10.30596/aghniya.v4i1.11144
Sari, M., & Sudardjat, I. (2013). Persepsi masyarakat tentang gadai emas di Pegadaian Syariah Cabang Setia Budi Medan. Jurnal Ekonomi Dan Keuangan, 1(2), 21–29. https://www.neliti.com/publications/14873/persepsi-masyarakat-tentang-gadai-emas-di-pegadaian-syariah-cabang-setia-budi-me#id-section-content
Sjaiful, M. (2017). The Principles for Islamic Debt Contract in the Sharia Pawnshop of Indonesia. Journal of Law, Policy and Globalization, 61, 122–125. https://www.iiste.org/Journals/index.php/JLPG/article/view/37136
Suhendi, H. (2002). Fiqh Muamalah. RajaGrafindo Persada.
Suryati, S., Nasution, N. S. A., & Wiyono, W. M. (2021). Komparasi Pegadaian Syariah Dengan Pegadaian Konvensional Berdasarkan Hukum Indonesia. Cakrawala Hukum: Majalah Ilmiah Fakultas Hukum Universitas Wijayakusuma, 23(2), 9–15. https://doi.org/10.51921/chk.v23i2.168
Susanti. (2016). Konsep Harga Lelang Barang Jaminan Gadai dalam Ekonomi Islam di Pegadaian Syariah Cabang Simpang Patal Palembang. Intelektualita, 5(1), 45–56.
Susanti, A., Ismunawan, Pardi, & Ardyan, E. (2018). Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan terhadap Perilaku Keuangan UMKM di Surakarta. Telaah Bisnis, 18(1), 45–56. https://doi.org/10.35917/TB.V18I1.93
Syafe’i, R. (1995). Konsep Gadai: Ar-Rahn dalam Fikih Islam Antara Nilai Sosial dan Nilai Komersial. Lembaga Studi dan Kemasyarakatan.
SyariahPedia. (2023). Daftar Perusahaan Pergadaian Syariah Berizin OJK. Syariahpedia.Com. https://www.syariahpedia.com/2023/06/daftar-perusahaan-gadai-syariah-berizin.html#:~:text=Berdasarkan data Direktori IKNB Syariah yang dirilis OJK,di Indonesia dan telah mendapatkan izin dari OJK.
Tarantang, J., Astuti, M., Awwaliyah, A., & Munawaroh, M. (2019). Regulasi dan Implementasi Pegadaian Syariah di Indonesia (Rahmad Kurniawan (ed.)). K-Media.
Tarlis, A., Aini, W., & Junaidi. (2019). Hubungan Penerapan Tarif Jasa Simpan Gadai Terhadap Kepuasan Nasabah di Pegadaian Syariah Cabang Langsa. Jurnal Investasi Islam, 4(1), 64–101. https://doi.org/10.32505/JURNAL
Wijaya, N. H. (2022). The Challenges of Sharia Pawnshops in Indonesia in The Era of The Industrial Revolution 4.0. El-Mashlahah, 12(1), 52–69. https://doi.org/10.23971/elma.v12i1.3910
Yuniwati, N., Lestari, E. D., Alfiqoh, A., & Pekalongan, I. (2021). Pegadaian Syariah : Penerapan Akad RAHN ada Pegadaian Syariah. An-Nisbah: Jurnal Perbankan Syariah, 2(2), 189–199. https://doi.org/10.51339/NISBAH.V2I2.253
.jpg)
