Analysis of the Mechanism for Determining Giving Amount of Financing for Gold Pawn Goods at Bank Syariah Mandiri Branch Office of Gorontalo

Abstract

This study aims to examine and analyze the method of determining the amount of the amount of the value of financing for gold pawning at Bank Syariah Mandiri Branch Office Of Gorontalo, the research method used in this study is descriptive research, namely research that presents an analysis of an object that describes systematically and accurately about a particular field. With interviews, namely a conversation, question and answer between two or more people who sit face to face is physically directed to a particular problem.This research can be concluded that Bank Syariah Mandiri pawnshop in carrying out mortgage financing uses three contracts, namely rahn and qardh, and maintenance costs using the Ijarah contract. When the process of granting financing for gold collaterals is examined the quality is by the pawnshop to determine the financing value given if the jewelry is 80% of the estimated value while if the bar is 95% of the estimated value. Assessment of collateral items with chemical analysis using tools, namely test stone, water tester, gold test needle. Evaluation by means of specific gravity using a tool namely electronic scales or analysts complete with weighing scales from 10 mgr to 500 grams, hydrotastic scales complete with weighing scales from 10 mgr to 500 grams, keler or tubes filled with clean water, and straps that are not absorb water. After the appraisal the customer will receive the amount of the fee he received based on the gold item he is carrying.