ANALISIS SISTEM PEMBIAYAAN ARRUM (AR-RAHN USAHA MIKRO-KECIL) PADA PT. PEGADAIAN CABANG SYARIAH SIMPANG PATAL KOTA PALEMBANG

TRIANTI, ELIA and Inten, Meutia and Aspahani, Aspahani (2013) ANALISIS SISTEM PEMBIAYAAN ARRUM (AR-RAHN USAHA MIKRO-KECIL) PADA PT. PEGADAIAN CABANG SYARIAH SIMPANG PATAL KOTA PALEMBANG. Undergraduate thesis, Sriwijaya University.

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Abstract

In Indonesia, SMEs contribute greatly to the gross domestic product. However, SMEs still need more attention, especially in terms of funding. Islamic mortgages have Arrum products that provide special financing for micro and small businesses that are expected to assist these efforts In this research, the method of analysis used descriptive qualilative which describes the correspondence between the field practiced with the relevant regulations, the SFAS No.107, MUI guidance 25, and Islamic Microfinance Theory. The research was conducted in PT.Pegadaian Branch Shariah Simpang Patal Palembang and the object of this research is financing system of ARRUM on this company. These results indicate that the financing system of ARRUM at PT. Pegadaian Branch Sharia Simpang Patal Palembang have been suitabled with MUI guidance 25. However, the views of SFAS 107 is not appropriate because the depreciation expense for Arrum products are not taken into account and based on Islamic Microfinance Theory, there are three points that have not been suitabled. First, there is no accesssed for the poor people. Second, the lack of deep involvement to determine the basic needs and investment and the last point, the lack of after mortgage Services for the user of Arrum financing product.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	ARRUM Product, Shariah Pawnshop, Financing System, SMEs
Subjects:	H Social Sciences > HG Finance > HG1641-1643 Bank loans. Bank credit. Commercial loans
Divisions:	01-Faculty of Economics > 62201-Accounting (S1)
Depositing User:	Mr Halim Sobri
Date Deposited:	25 Jan 2021 04:33
Last Modified:	25 Jan 2021 04:33
URI:	http://repository.unsri.ac.id/id/eprint/40947

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