TINGKAT SERAPAN NASABAH PRODUK GADAI SYARIAH (Rahn) PT. PEGADAIAN CABANG MARTAPURA SEBAGAI DASAR KEBIJAKAN PROSPEK PASAR

Sari

This research aims to study how the mechanism pawning sharia and the level of uptake of the customer to the product target of pawning sharia (Rahn). This study is a qualitative research approach descriptive to be able to the real condition of the Pawning sharia in Branch of PT.Pegadaian Martapura. The results obtained sharia pledge is an agreement between a person to hand over property in the form of gold and other property as collateral on law based on sharia. Bih Marhun percentage of the estimated designated as an ordinance PT.Pegadaian with Bih Marhun ceiling is divided into four major categories (group A - D) with large estimated 70-90% depending on the quality and quantity Marhun with ijaroh rates ranged from 0.45 to 0.71 % of the estimated value, the old loans 120 days. With credit mechanism Rahin come to PT. Pegadaian and entrust Marhun then estimated then performed after the credit agreement fulfill administrative requirements of ID (KTP) and fill out a credit application. Amount of Rahin period 2010-2014 ranges from 9749-10781 people and the amount of loans disbursed from the period 2010-2014 is between Rp 13,885,940,600 - Rp 34,324,661,800. The second parameter is the number of measurements and number Rahin Lending mutually correlated with a 0.995 correlation value is greater than the significance value of 0.05.