ANALISIS PENERAPAN MANAJEMEN RESIKO DI PT. PEGADAIAN SYARI’AH CABANG SUBRANTAS PEKANBARU (STUDI KASUS PADA PEMBIAYAAN KENDARAAN BERMOTOR)
Abstract
- Pegadaian Syariah Subrantas Pekanbaru has various Sharia Pawn products, one of which is Motor Vehicle Financing (Amanah). Motorized Vehicle Ownership (Amanah) is a Sharia Pawnshop product in providing loans for motorized vehicle ownership. This product applies a Sharia system with a Murabahah contract, namely providing loans with sharia-compliant loans for employees and micro entrepreneurs, with the aim of being able to help customers who want to own a vehicle with an installment/credit system with low and affordable interest.
This research is a field research (field research), while the type of research conducted by the author uses descriptive qualitative. Data collection techniques used are observation, interviews and documentation, so that the data obtained is more complete, more in-depth, effective and meaningful. The purpose of this study was to determine the application of risk management at PT. Pegadaian Syariah Pekanbaru Subrantas Branch case study of Motor Vehicle Financinf (Amanah).
From the results of research conducted by the author at PT. Pegadaian Syariah Subrantas Pekanbaru Branch found that Pegadaian Syariah Subrantas Pekanbaru Branch has implemented risk management starting from risk identification with 5’C principles, namely: Character, Capacity, Capital, Collateral, Condition of Economy. The factors that influence the implementation of risk management in motor vehicle financing (Amanah), as for the factors that influence the implementation of risk management, namely the inhibiting and driving factors, among others, the lack of information between the Sharia Pawnshop and its customers, economic factors, socialization and also a risk-aware culture.
