PERBANDINGAN SISTEMATIKA PENETAPAN UJRAH GADAI EMAS DI PEGADAIAN SYARI’AH DAN PERBANKAN SYARI’AH
(KAJIAN PENELITIAN DI PEGADAIAN CIAWI DAN BANK SYARI’AH MANDIRI CIAWI
Sharia Gold Pawn is a form of financing based on sharia law in sharia without usury. In Islamic gold pawning, the object pawned is gold which has an exchange rate against a currency that tends to rise, which is very different from other mortgage objects which tend to decrease. Based on this, a number of Islamic Financial Institutions, including Bank Jabar Banten and Perum Pegadaian, opened gold pawn products in their business transactions because besides being profitable, the risks were also relatively small. matters relating to the systematic determination of ujrah applied by both parties of the financial institutions This study uses an empirical juridical approach, namely problem solving procedures by first examining the existing secondary data and then proceed with research on primary data in the field. The data used are primary data, namely data obtained directly from the field using interviews, as well as secondary data obtained by the literature study method. Analysis of the data used is qualitative analysis which draws conclusions deductively. Based on the results of the study, it can be seen that the systematic comparison of the determination of the value of Rahn gold pawn products applied by Bank Jabar Banten Syariah and Ciawi Syariah Pegadaian is on the business development strategy and the reason why the product is issued.
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