Yanti, Rita Alfi (2025) IMPLEMENTASI METODE GADAI EMAS DALAM MENINGKATKAN MINAT MASYARAKAT PADA BANK SYARIAH INDONESIA. D3 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
This paper aims to understand how the Gold Pawn product is implemented at Bank Syariah Indonesia and its role in increasing public interest in sharia-based financing. Gold Pawn is a solution for short-term financing that uses gold as collateral, operated based on the principles of rahn and ijarah. The method used in this study is qualitative with data collection techniques through observation, interviews, and literature reviews. The results of the study indicate that Bank Syariah Indonesia has implemented the Gold Pawn service well through service digitalization, the availability of weekend banking services, and improving service quality. These efforts have a positive impact on attracting public interest, especially for those who need fast funds without reducing the value of their assets. Some of the challenges faced include low public literacy, fluctuations in gold prices, and competition with other financial institutions. Bank Syariah Indonesia overcomes these challenges by organizing sharia financial education, strengthening service technology, and offering competitive margin policies. In general, the implementation of Gold Pawn at Bank Syariah Indonesia has proven to play a role in expanding access to sharia finance for the community.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Penulisan ini bertujuan untuk memahami bagaimana produk Gadai Emas diterapkan di Bank Syariah Indonesia dan perannya dalam meningkatkan ketertarikan masyarakat terhadap pembiayaan berbasis syariah. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan teknik pengumpulan data melalui observasi dan wawancara. Hasil penulisan menunjukkan bahwa Bank Syariah Indonesia telah melaksanakan layanan Gadai Emas dengan baik melalui digitalisasi layanan, ketersediaan layanan weekend banking, serta peningkatan mutu pelayanan. Upaya-upaya tersebut memberikan dampak positif dalam menarik minat masyarakat, khususnya bagi mereka yang memerlukan dana cepat tanpa mengurangi nilai aset mereka. Beberapa tantangan yang dihadapi termasuk rendahnya literasi masyarakat, fluktuasi harga emas, dan persaingan dengan lembaga keuangan lainnya. Bank Syariah Indonesia mengatasi tantangan ini dengan menyelenggarakan edukasi keuangan syariah, memperkuat teknologi layanan, dan menawarkan kebijakan margin yang bersaing. Secara umum, penerapan Gadai Emas di Bank Syariah Indonesia terbukti berperan dalam memperluas akses keuangan syariah bagi masyarakat. | |||||||||
| Uncontrolled Keywords: | Bank Syariah Indonesia ,Gold Pawn, Public Interest. Bank Syariah Indonesia, Gadai Emas, Minat Masyarakat. | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Mrs Rita Alfi Yanti | |||||||||
| Date Deposited: | 27 Aug 2025 02:07 | |||||||||
| Last Modified: | 27 Aug 2025 02:07 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/52727 |
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