Abstract
ABSTRACT
The presence of pawnshop in Indonesia as a formal financial institution that moves to channel financing in the form of lending money to people in need. Then the emergence of Sharia Pawnshop that provide services to the public when facing sudden needs that have been reluctant to use conventional pawnshop. Therefore, the presence of Sharia Pawnshop can be used as an alternative for people who want to interact in a mortgage with usuary and are legal according Sharia Pawnshop, and efforts to improve the economy of MSME through Sharia Pawnshop. This type of research is library research. In searching for data sources, media such as books, articles, journals, and informations from the internet aare used as supporters of the issues to be studied. Based on the result of the research conducted, it can be described as: first, the Arrum BPKB product at Sharia Pawnshop provides an opportunity ti improve the economy of MSME, this can be seen from the understanding and financing system of the Arrum BPKB product. Second, the importance of socializing Sharia pawnshop to MSME actors in an effort to improve the economy. Third, the exixtence of sharia pawnshop can be used as an alternative in overcoming the limited capital felt by MSME actors. And the affordability of financial credit with a relatively affordable amount, easy, and timely terms and procedures.
Keywords: Sharia Pawnshop, Economy, MSME
References
Ali, Zainuddin, Hukum Gadai Syariah, Jakarta: Sinar Grafika, 2016.
Burhanuddin S, Aspek Hukum Lembaga Keuangan Syariah, Yogyakarta: Graha Ilmu, 2010.
Chandra, Ira Puspita, Pengembangan Konsep Rahn dalam Pegadaian Syariah di PT Pegadaian (Persero) Indonesia, Universitas Brawijaya Malang, 2016.
Julius R. Latumaerissa, Bank dan Lembaga Keuangan Lain, Jakarta: Salemba Empat, 2011.
Kasmir, Bank dan Lembaga Keuangan Syariah, Jakarta: Raja Grafindo Persada, 2010.
Lia, Lisara Wahdah, “Pengaruh Modal dan Pembiayaan Arrum Terhadap Perkembangan Usaha Studii Pada Pegadaian Syariah Cabang Solo Baru,” Skripsi, 2017.
Muhammad, Manajemen Pembiayaan Bank Syariah, Yogyakarta: UPP AMP YKPN, 2005.
_________, Lembaga Perekonomian Islam Perspektif Hukum, Teori, dan Aplikasi, Yogyakarta: UPP STIM YKPN, 2017.
Mulazid, Ade Sofyan, Kedudukan Pegadaian Syariah dalam Sistem Hukum Nasional di Indonesia, Jakarta: Kementerian Agama RI, 2012.
Mutmainnah, “Analisis Pembiayaan Arrum PT Pegadaian Syariah Terhadap Pengembangan Usaha Mikro Kecil (Studi Kasus pada kantor Cabang PT Pegadaian Syariah Sentral Makassar)”, Skripsi, 2012.
Nikmah, dkk, “Analisis Implikasi Pembiayaan Syariah pada Pedagang Kecil di Pasar Tanjung Jember,” Jurnal Ekonomi Bisnis dan Akuntansi, Vol. 01, pp. 8-15, 2014.
Prihantono, “Peran Bank dan Pegadaian Syariah dalam Pemenuhan Kebutuhan Ekonomi Rumah Tangga”, Jurnal Khatulistiwa, Vol.04, No.1, 2014, pp.63-71
Rais, Sasli, Pegadaian Syariah: Konsep dan Sistem Operasional (Suatu Kajian Kontemporer), Jakarta: Universitas Indonesia (UI-Press), 2005.
Roikhan, “Efisiensi Pegadaian Syariah dan Prospek Pertumbuhan Aset di Indonesia”, Jurnal Al-Uqud, Vol. 01, No. 01, pp. 59-82, 2017.
Siamat, Dahlan, Manajemen Lembaga Keuangan, Jakarta: Lembaga Fakultas Ekonomi Universitas Indonesia, 2001.
Soemitra, Andri, Bank dan Lembaga Keuangan Syariah Jakarta: Prenada Media Group, 2009.
Tambunan, Tulus, Usaha Mikro dan Menengah di Indonesia, Jakarta: LP3ES, 2012.
https://Pegadaiansyariah.co.id/product, akses tanggal 12 November 2018.
https://www.pegadaian.co.id/pegadaian-arrum, akses tanggal 12 November 2018.
Kontan.co.id, di akses tanggal 12 November 2018.
Laporan Tahunan 2017 PT. Pegadaian.