7 Gadai dan Gadai Syariah

Summary

This video discusses the differences between Pegadaian (conventional pawn shops) and Pegadaian Syariah (Islamic pawn shops) in Indonesia. It highlights key factors such as the types of services offered, loan structures, interest rates, and the handling of defaults. Pegadaian Syariah follows Islamic law principles, offering services with fixed administrative fees and auction-based defaults, while conventional Pegadaian uses a more standard financial approach. The video also compares the loan amounts, maximum duration, and the treatment of excess funds, providing viewers with a clear understanding of both systems.

Takeaways

• 😀 Shariah-compliant pawnshops (Pegadaian Syariah) follow Islamic principles, while conventional pawnshops (Pegadaian) operate on a profit-based system.
• 😀 Both types of pawnshops provide services like pawn loans, gold trading, and rental services.
• 😀 Pegadaian Syariah offers services based on Islamic law, ensuring fairness and ethical transactions.
• 😀 The administrative fees for Pegadaian Syariah are based on the value of the collateral, while conventional pawnshops charge fees as a percentage.
• 😀 Loan amounts in Pegadaian Syariah are typically 90% of the collateral’s value, while conventional pawnshops offer a range of 86% to 92%.
• 😀 Pegadaian Syariah has a loan duration of up to 3 months, while conventional pawnshops extend the loan period to 4 months.
• 😀 Pegadaian Syariah calculates fees based on storage or rental value, whereas conventional pawnshops calculate them as percentages of the loan value.
• 😀 In Pegadaian Syariah, the collateral is auctioned if the loan is not repaid, while conventional pawnshops simply retain ownership of the collateral.
• 😀 Any excess funds from loan repayment are returned to the borrower in Pegadaian Syariah, while conventional pawnshops keep the excess funds as their property.
• 😀 The speaker encourages listeners to carefully analyze the differences between Pegadaian Syariah and conventional pawnshops before making decisions.

Q & A

What is the main difference between Pegadaian Syariah and conventional Pegadaian?

The main difference lies in the financial principles applied. Pegadaian Syariah operates under Islamic finance principles, avoiding interest and instead focusing on leasing (Ijarah) and asset-backed loans, while conventional Pegadaian uses traditional interest-based models.

What types of services are offered by Pegadaian Syariah?

Pegadaian Syariah offers services such as loans, asset appraisal, goods storage, leasing (Ijarah), and gold buying/selling.

How is the loan value determined in Pegadaian Syariah?

In Pegadaian Syariah, the loan is calculated based on the appraisal of the collateral, which is typically up to 90% of the collateral's estimated value.

What is the maximum loan term in Pegadaian Syariah?

The maximum loan term in Pegadaian Syariah is 3 months.

How is the storage or leasing fee calculated in Pegadaian Syariah?

In Pegadaian Syariah, the storage or leasing fee is calculated on a daily basis, with the total fee depending on the length of time the goods are stored or leased.

What happens if a loan is not repaid in Pegadaian Syariah?

If a loan is not repaid in Pegadaian Syariah, the collateral is auctioned to the public.

How does the loan repayment process differ between Pegadaian Syariah and conventional Pegadaian?

In Pegadaian Syariah, if the loan is not repaid, the collateral is auctioned, while in conventional Pegadaian, the collateral is sold to the public. Both models involve the liquidation of collateral in case of default, but the processes and terms may vary.

What is the maximum loan term in conventional Pegadaian?

The maximum loan term in conventional Pegadaian is 4 months, which is slightly longer than the term offered by Pegadaian Syariah.

How is the interest and excess fund handling different between Pegadaian Syariah and conventional Pegadaian?

In Pegadaian Syariah, the excess funds after the loan repayment are returned to the borrower. In conventional Pegadaian, any excess funds are kept by the pawnshop.

What is the fee structure for loans in conventional Pegadaian?

In conventional Pegadaian, loans are based on a percentage of the collateral's estimated value, and the interest is calculated over a set period (usually daily or monthly), depending on the agreement.