Analisis Pembiayaan Arrum PT. Pegadaian Syariah Terhadap Pengembangan Usaha Mikro Kecil Pada Kantor Cabang Pembantu Syariah Subrantas Kota Pekanbaru

Rosa, Zayanti (2020) Analisis Pembiayaan Arrum PT. Pegadaian Syariah Terhadap Pengembangan Usaha Mikro Kecil Pada Kantor Cabang Pembantu Syariah Subrantas Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Arrum is a sharia-compliant loan scheme for small businesses for business needs with an installment return system, using a BPKP guarantee for a motorbike or car owned. Arrum is a loan facility for financing for business needs of customers at PT. Sharia pawnshop that adheres to sharia principles and is based on business feasibility. The main problem in this research is how the analysis of PT arrum financing. Sharia Pawnshop on the development of micro small businesses at the Subrantas Sharia Sub-branch Office of Pekanbaru City. And what are the obstacles in arrum financing PT. Sharia Pawnshop Towards the development of micro small businesses at the Subrantas Sharia Sub-branch Office of Pekanbaru City. The research method used was Observational Research by means of surveys, namely interviews and questionnaires as data collection tools. In this study the authors conducted direct research at the research location to obtain materials, data and information related to this research. This research is analytical descriptive, which provides a clear and detailed description of an event that occurred in the Arrum Financing Analysis of PT. Sharia Pawnshop Against Micro Small Business Development At Subrantas Sharia Sub-Branch Office Pekanbaru City. Based on the results of the study note that, Arrum financing analysis of the development of micro small businesses that is not running as it should because many customers still do not know about Sharia Pawnshop. One of the main problems of the MSME sector is the limitation in capital caused by, among others, the availability of collateral owned by MSMEs that does not meet the requirements for financing proposals, most MSMEs do not have formal legality of business and irregular administrative arrangements related to financial management and constraints in financing arrays to the development of micro small businesses, namely the lack of marketing (promotion) due to lack of appearing in electronic media, using a profit sharing system, it needs a lot of reliable personnel, close to PT. Conventional Pawnshops where the pawnshop is first known by the public.

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