Mekanisme Penerapan Pembiayaan Gadai Emas Dengan Memggunakan Akad Rahn Pada Bank Pembiayaan Rakyat Syariah Bhakti Sumekar Cabang Pamekasan

Abstract

Bhakti Sumekar Pamekasan Branch  as a financial institution in which part of rural bank that carries out its function as an institution channeling public funds through financing products, one of which is gold mortgage financing. BPRS Bhakti Sumekar gold pawning financing is a financing product based on collateral in the form of gold as an alternative to get cash quickly, with collateral in the form of precious metals and  30 days carat jewelry and is not intended for customer investment purposes. The data analysis model used in this study is descriptive which can be interpreted as a problem solving procedure that is investigated by describing the state of the subject or object. In this study, researchers will describe the practice of gold pawning at the BPRS Bhakti Sumekar Pamekasan Branch. Islamic gold pawn at BPRS Bhakti Sumekar Madyan Pamekasan Branch is very helpful to the needs of the Pamekasan community who need funds. In addition to the very easy and fast process of financing the gold pawning, it is based on sharia principles, where customers are only levied on ijarah fees (storage, maintenance and security services). In addition, the Islamic gold pawning does not collect interest in any form, because it is all usury.