ResearchOpen AccessPDF tersedia
2026•Hasil Penelitian dan Pengabdian
Salang pinjam had been carried out by many Minangkabaunese before the arrival of the Dutch colonialists. The presence of the Dutch colonialists shifted the tradition of salang pinjam into pagang gadai (pawn) as part of the Devide et Impera politics which aimed at breaking up the unity of Minangkabau people. The transition from the concept of salang pinjam to gadai (pawning), apart from not being in accordance with Islamic teachings, also often causes disputes in the communities. Even so, in several Minangkabau areas the tradition of salang pinajm still survives to ensure the continuity of religious-based customs, including in Paninjauan Village, Tanah Datar regency. This study was conducted to describe the concept of salang pinjam and how it differs from the Dutch version of pawning. This research is field research with the data sources obtained from Paninjauan Village’s community leaders and parties who have carried out salang pinjam. The data were collected through direct interviews with informants, then classified according to the questioned-themes. Then, the data were analyzed descriptively. This study concluded that the essence of salang pinjam is borrowing from each other, one party borrows money or gold and the other party borrows land or rice fields. Based on Islamic teachings, this transaction does not violate Islamic rules and will not cause any disputes. This is different from pawnshops regulated by the Dutch Colonial by which borrowing money must be accompanied by collateral in the form of land, and this way becomes a source of problems for two reasons; first, it is contrary to Islamic teachings because it utilizes collateral assets; and second, the collateral must be returned to the borrower after seven years without compensation, and in reality the community is not willing to just return it unless the borrowers must return the money they have borrowed.
ArticleOpen AccessPDF tersedia
2024•Artikel Penelitian dan Pengabdian
Salang pinjam had been carried out by many Minangkabaunese before the arrival of the Dutch colonialists.
The presence of the Dutch colonialists shifted the tradition of salang pinjam into pagang gadai (pawn) as
part of the Devide et Impera politics which aimed at breaking up the unity of Minangkabau people. The
transition from the concept of salang pinjam to gadai (pawning), apart from not being in accordance with
Islamic teachings, also often causes disputes in the communities. Even so, in several Minangkabau areas
the tradition of salang pinajm still survives to ensure the continuity of religious-based customs, including
in Paninjauan Village, Tanah Datar regency. This study was conducted to describe the concept of salang
pinjam and how it differs from the Dutch version of pawning. This research is field research with the data
sources obtained from Paninjauan Village’s community leaders and parties who have carried out salang
pinjam. The data were collected through direct interviews with informants, then classified according to the
questioned-themes. Then, the data were analyzed descriptively. This study concluded that the essence of
salang pinjam is borrowing from each other, one party borrows money or gold and the other party
borrows land or rice fields. Based on Islamic teachings, this transaction does not violate Islamic rules and
will not cause any disputes. This is different from pawnshops regulated by the Dutch Colonial by which
borrowing money must be accompanied by collateral in the form of land, and this way becomes a source
of problems for two reasons; first, it is contrary to Islamic teachings because it utilizes collateral assets;
and second, the collateral must be returned to the borrower after seven years without compensation, and
in reality the community is not willing to just return it unless the borrowers must return the money they
have borrowed.
ThesisOpen AccessPDF tersedia
2020•Skripsi, Thesis, Disertasi, dan Tugas Akhir
ABSTRAK Skripsi ini disusun oleh Nisa Rahayu Fitri, Nim: 3316.034. Jurusan S1 Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam (FEBI) Institut Agama Islam Negeri (IAIN) Bukittinggi dengan judul “Strategi Promosi Pawning Officer dalam Meningkatkan Pembiayaan Gadai emas di Bank Syariah Mandiri KC Padang Ulak Karang”. Penelitian ini dilatarbelakangi karena ada permasalahan yang tampak di Bank Syariah Mandiri KC Padang Ulak Karang yaitu adanya nasabah yang belum mengetahui ada pembiayaan gadai emas di Bank Syariah Mandiri KC Padang Ulak Karang, promosi yang dijalankan masih belum efektif dan efesien dilihat dari jumlah data nasabah yang mengalami fluktuasi dari tahun ke tahun. Tujuan dari penelitian ini untuk menganalisis strategi Pawning Officer dalam meningkatkan pembiayaan gadai emas. Metode penelitian yang dilakukan bersifat deskriptif kualitatif dan teknik pengumpulan data secara observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan melalui Analisis SWOT, IFE, EFE, Matrik SWOT serta Tabel Bobot Skor. Hasil dari penelitian menjelaskan bahwa strategi promosi yang dilakukan dalam meningkatkan pembiayaan gadai emas menggunakan analisis matrik swot yaitu: strategi SO, strategi ST, strategi WO, dan strategi WT. Hasil analisis matrik swot menunjukkan bahwasanya strategi SO mempunyai skor tertinggi yaitu 1,5, strategi ST sebesar 1, strategi WO sebesar 1, strategi WT sebesar 0,5. BSM KC Padang Ulak Karang menerapkan strategi SO dengan cara memamfaatkan seluruh kekuatan yang ada untuk merebut peluang sebesar- besarnya. Dalam hal ini perusahaan harus menggunakan media promosi yang tepat sasaran, melakukan inovasi terhadap jenis produk dan memberikan pelayanan yang maksimal. Temuan penelitian ini berkontribusi pada marketing Bank Syariah Mandiri terhadap pembiayaan gadai emas, dan melihat strategi promosi mana yang dapat diterapkan sehingga dapat meningkatkan pembiayaan gadai emas pada PT Bank Syariah Mandiri KC Padang Ulak Karang
