Analysis of Financing Risk Management at Sharia Pawnshops (Study at the Jelutung Branch of Sharia Pawnshops, Jambi City)
DOI:
https://doi.org/10.30631/iltizam.v8i1.2433Keywords:
Risk Management, Financing,, Sharia Pawnshop, Case StudyAbstract
Financial institutions have an important role in the development of contemporary industrial society. One type of financial institution is a Sharia Pegadaian which offers a pawn system in accordance with Islamic law. Sharia pawnshops have financing risks that must be managed well. This research aims to analyze financing risk management at the Jelutung Sharia Pawnshop, Jambi City. This research uses qualitative methods with case studies. Data collection techniques are carried out through interviews, observation and documentation. Data were analyzed using qualitative data analysis techniques. The results of the research show that Pegadaian Syariah Jelutung, Jambi City implements financing risk management consisting of risk identification, risk measurement, risk control and risk monitoring. Pegadaian Syariah Jelutung, Jambi City uses various methods to identify financing risks, such as qualitative and quantitative analysis. Risk measurement is carried out by calculating the value of the collateral and the customer's ability to pay. Risk control is carried out by implementing various policies, such as regulatory requirements and law enforcement. Risk monitoring is carried out regularly to ensure the effectiveness of risk management. This research contributes to the understanding of financing risk management at Sharia Pawnshops. The results of this research can be used by Pegadaian Syariah to increase the effectiveness of financing risk management.
References
Agustina, W. E., & Widyaningsih, B. (2023). Pengaruh Penerapan Manajemen Resiko Terhadap Kinerja Pegadaian Syariah. Izdihar: Jurnal Ekonomi ..., 03(April), 73–84. https://ejournal.unwaha.ac.id/index.php/izdihar/article/view/3440%0Ahttps://ejournal.unwaha.ac.id/index.php/izdihar/article/download/3440/1568
Ahsan, M., & Al-Azhar, M. F. (2019). Efektivitas Manajemen Risiko Pembiayaan di BNI Syariah Cabang Surabaya dalam Pengendalian Pembiayaan Bermasalah. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 19. https://doi.org/10.24252/minds.v6i1.7964
Ahyar, H., et al (2020). Buku Metode Penelitian Kualitatif & Kuantitatif (Issue March).
Amir, A., Junaidi, & Yulmardi. (2009). Metodologi Penelitian. In IPB Press.
Asnawir, M. F., & Makka, M. M. (2023). Penerapan Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Cabang Istiqlal Manado. Kunuz: Journal of Islamic Banking and Finance, 3(1), 50–64. https://doi.org/10.30984/kunuz.v3i1.660
As'ad, A., & Firmansyah, F. (2022). A New Paradigm on Human Resources Management in State Islamic University. AL-ISHLAH: Jurnal Pendidikan, 14(1), 71–84. https://doi.org/10.35445/alishlah.v14i1.1513
Aziz, A. Z. A. (2021). Manajemen Risiko Pembiayaan pada Lembaga Keuangan Syariah. IAIN Syek Nucati, Cirebon
Hidayat, T., Fitrianingrum, L., & Hudiwasono, K. (2021). Penerapan Prinsip Efektif dan Efisien dalam Pelaksanaan Monitoring Kegiatan Penelitian. Badan Perencanaan Pembangunan, Penelitian Dan Pengembangan Kota Bandung, 42–50.
Ida Ayu Made Sasmita Dewi. (2010). Manajemen Risiko: Teori, Kasus, dan Solusi. In Excutive Summary (Issue 23).
Kolistiawan, B. (2017). Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 78. https://doi.org/10.18326/muqtasid.v8i1.78-94
Lamtana, L., & Mayditri, V. (2022). Penerapan Prinsip Syariah pada Akad Rahn di Lembaga Pegadaian Syariah. Jurnal Pendidikan Dan Kewirausahaan, 10(2), 422–440. https://doi.org/10.47668/pkwu.v10i2.397
Margareth, H. (2017). No Title طرق تدريس اللغة العربية. Ðкономика Региона, 3, 32.
Mosey, A. C., Tommy, P., & Untu, V. (2018). Pengaruh Risiko Pasar dan Risiko Kredit Terhadap Profitabilitas Pada Bank Umum Bumn yang Terdaftar di BEI Periode 2012-2016. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 6(3), 1338–1347.
Mukti, T., Ilmu, F., Islam, A., & Indonesia, U. I. (2020). Jurnal Ilmiah Ekonomi Islam , 6 ( 02 ), 2020 , 239-245 Peran Pegadaian Syariah dalam Literasi Keuangan Syariah. Jurnal Ilmiah Ekonomi Islam, 6(02), 239–245.
Nengsih, T. A., Nofrianto, N., Rosmanidar, E., & Uriawan, W. (2021). Corporate Social Responsibility on Image and Trust of Bank Syariah Mandiri. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 13(1), 151–170. https://doi.org/10.15408/aiq.v13i1.18347
Ni Made Indah Purnama Dewi, I. B. P. S. (2017). Efektivitas Manajemen Risiko Dalam Mengendalikan Risiko Kredit di PT Bank Rakyat Indonesia. E-Jurnal Manajemen Universitas Udayana, 6(8), 4298–4331.
Nurbanatra, R., & H.R, M. N. (2015). Usaha Meminimalkan Risiko Pembiayaan pada Pegadaian Syariah. Ekonomi Syariah Teori Dan Terapan, 3(8), 615–624.
Priyadi, U. (2015). Gambaran Umum Lembaga Keuangan Syariah. Bank Dan Lembaga Keuangan Syariah, 1–33.
Rosmanidar, E., Hadi, A. A. Al, & Ahsan, M. (2021). Islamic Banking Performance Measurement: a Conceptual Review of Two Decades. International Journal of Islamic Banking and Finance Research, 5(1), 16–33. https://doi.org/10.46281/ijibfr.v5i1.105
Sahir, S. H. (2022). Buku ini di tulis oleh Dosen Universitas Medan Area Hak Cipta di Lindungi oleh Undang-Undang Telah di Deposit ke Repository UMA pada tanggal 27 Januari 2022.
Sari, D. P., Matahari, S., Mint, N., & Karena, R. (2010). Quality Risk Management (Studi KAsud di PT Asriindo Indty Raya) . 15(2).
Sofyan, S. (2017). Analisis Penerapan Manajemen Risiko Pembiayaan Pada Lembaga Pembiayaan Syariah. Bilancia: Jurnal Studi Ilmu Syariah Dan Hukum, 11(2), 359–390. https://doi.org/10.24239/blc.v11i2.310
Sholihin, M., Shalihin, N., & Addiarrahman. (2023). the Scale of Muslims' Consumption Intelligence: a Maqčá¹£id Insight. ISRA International Journal of Islamic Finance, 15(2), 98–118. https://doi.org/10.55188/ijif.v15i2.544
Ulum, M. (2010). 194953-ID-prosedur-underwriting-produk-asuransi-ke.
Usdeldi, U., Nasir, M. R., & Ahsan, M. (2022). The Mediate Effect Of Sharia Compliance on The Performance of Islamic Banking in Indonesia. Jurnal Keuangan Dan Perbankan, 26(1), 247–264. https://doi.org/10.26905/jkdp.v26i1.6158
Downloads
Published
Issue
Section
License
Copyright (c) 2024 ILTIZAM Journal of Shariah Economics Research
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
