Analisis Manajemen Risiko Pada Pembiayaan Gadai Emas Pada PT. Pegadaian Syariah Simpang Benteng Payakumbuh
DOI:
https://doi.org/10.32764/joems.v9i2.1737Keywords:
Gadai Emas, Manajemen Risiko, Pegadaian SyariahAbstract
Research Objective: This study aims to identify the types of risks and analyze the implementation of risk management in gold pawn financing at Pegadaian Syariah Simpang Benteng Payakumbuh.
Methods/Approach: This study used a qualitative approach with a case study design. The study was conducted at the Simpang Benteng Payakumbuh Sharia Service Unit (UPS), involving three key informants: an appraiser (murtahin) and administrative staff directly involved in financing operations. Data were collected through observation, semi-structured interviews, and documentation. Data analysis used the Miles and Huberman interactive model, which includes data reduction, data presentation, and conclusion drawing. Data credibility was tested through triangulation of sources and methods.
Results: The study shows that gold pawn financing faces several types of risks, namely credit risk, market risk, operational risk, liquidity risk, and reputation risk. Risk management is implemented through systematic risk identification, measurement, management, and control. These practices play a role in maintaining operational stability and minimizing potential losses in financing activities. Practical Implications: These findings demonstrate the importance of implementing structured risk management in enhancing operational prudence and financing management in Islamic financial institutions.
Originality/Novelty: This research provides empirical evidence on risk management practices in gold pawn financing within the context of Islamic service units at the operational level, a topic that has been limited in previous studies, particularly at the service unit (UPS) level.
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Copyright (c) 2026 Gani Shaleh Rahmansyah (Author); Habibatur Ridhah, Nini Sumarni, Khadijah Nurani
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