Feasibility Analysis Of Granting Gold Pawn Product Financing at Bank BPRS Bhakti Sumekar Jember Branch Office

INDAHSARI, DWI (2021) Feasibility Analysis Of Granting Gold Pawn Product Financing at Bank BPRS Bhakti Sumekar Jember Branch Office. Undergraduate thesis, Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember.

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Abstract

Islamic gold pawn financing is a financing product at islamic banks which has quite a lot of interest in the community. According to Bank Indonesia rahn is a contract for delivery of goods or assets (marhun) from a customer (rahin) to a bank (murtahin) as part or all of a debt guarantee. According to the view of syara‟ make valuables as collateral. Islamic gold pawning is a financing product that has a lot of demand because the economy in peoples lives is often found in situations where a number of people have valuable goods but do not have cash at the same time. The problem faced is: 1. What are the procedures and mechanisms for providing financing for gold pawn products at BPRS Bhakti Sumekar Jember Branch Office?, 2. How to analyze the feasibility of granting gold pawn product financing at BPRS Bhakti Sumekar Jember Branch Office?. The purpose of this research is: 1. To know the procedures and mechanisms for providing financing for gold pawn products at BPRS Bhakti Sumekar Jember Branch Office, 2. To find out the feasibility analysis of granting gold pawn product financing at BPRS Bhakti Sumekar Jember Branch Office. This research is a qualitative approach, using a descriptive qualitative research approach. Data collection method used are observation, interview and documentary. The data obtained were analyzed using inductive qualitative methods, the validity of the data using triangulation techniques. Research result: 1. Procedures and mechanisms for financing gold pawn products at BPRS Bhakti Sumekar must follow the applicable SOP, that is: customer come to the bank to inquire about collateral, contract, estimated value of collateral and maintenance costs. The only documents that customers must bring are a photocopy of their ID card/Driving license and also bring gold which will be used as collateral, 2. Analysis of the feasibility of gold pawn financing at BPRS Bhakti Sumekar in determining whether or not customers are eligible to get sharia gold pawn financing using 2 analysis, that is: 1. Using 3 methods of estimating the mortgage: specific gravity test, physical test and chemical test, 2. BPRS Bhakti Sumekar in analyzing the feasibility of customer financing using 5C analysis, this is : character, capital, collateral, capacity, condition of conomy.

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