ANALISIS PERBEDAAN SISTEM PINJAMAN DANA ANTARA PEGADAIAN SYARIAH DENGAN BANK SYARIAH

Abstract

The purposes of this research are to know (1) how the system of credit funds in Sharia Pawnshops, (2) how the credit system of funds in Sharia Banks and (3) what are the differences in the credit system of funds between Sharia Pawnshops and Sharia Banks. The type of research used is qualitative with a descriptive method approach. The sources of data in this research are the website of the Sharia Pawnshops and Bank Syariah Indonesia (BSI) and the head of the office. Data were collected from online data searches, interviews, observations and literature studies so that the data were processed and analyzed through three stages, namely: data reduction, data presentation and conclusion drawing/verification. The results show (1) the regulations and mechanisms of credit products between Sharia Pawnshops and Sharia Banks only have small differences such as rates, terms and contracts given, (2) each has 9 (Nine) products with different names and types, (3) loan products from Sharia Pawnshops for short-term needs while Sharia Banks for long-term needs.