ANALISIS PROSEDUR PEMBERIAN PINJAMAN DENGAN GADAI EMAS PADA PT.BANK BRI SYARIAH KC. PEKANBARU

Abstract

This research is motivated by the activity of gold pawn products at PT. BRI Syariah KC. Pekanbaru has financing products, one of which is Gold Collateral Qard financing, Gold Collateral Qard is a gold collateral financing product, where the gold used is stored and maintained by BRIS for a certain period of time by paying the cost of storing and maintaining gol. This type of research is descriptive field research, The approach used by researchers in this study is a qualitative approach. Data collection techniques used are interviews, documentation, and observation. The results showed that the loan procedure was not fully effective, that is costomers do not have to submit or show rpoof of gold ownership to BRI Syariah KC. Pekanbaru. PT. Bank BRI Syariah KC Pekanbaru still used properly law in terms of ownership of goods, namely whoever helds the gold is considered the owner of the gold.