EFISIENSI PEGADAIAN SYARIAH DAN PROSPEK PERTUMBUHAN ASET DI INDONESIA
DOI:
https://doi.org/10.26740/al-uqud.v1n1.p59-82Keywords:
Islamic Pawnshop, Islamic Banking, Asset, Market ShareAbstract
The purpose of this study is to analyze the efficiency of Islamic Pawnshop together with four competitors and analyze the prospects for assets growth of the Islamic pawnshop in Indonesia. This study is quantitative analyze research with secondary data of annual financial statements from the Islamic Pawnshop and four competitors during 2008-2014. The sampling technique is the purposive sampling with sample of the Islamic Pawnshop and four competitors in Indonesia. This study uses analysis efficiency of the Data Envelopment Analysis method. Input variables are: the load bonus, deposit wadiah, general and administrative expenses, salaries and allowances, and other expenses, and the output variables are: murabaha margin revenue, other services revenues, and loan qardh. Then this study uses analyze prospects based on System Dynamics methods. The results showed efficiency of Islamic Pawnshop can reach value of 100 percent for 2008-2014 compared to its competitors that reach only 97.42 percent. And the prospect of an asset for Islamic Pawnshop can get optimistically in 2025 to reach Rp 116 trillion in the presence of inorganic action.
References
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Massachusetts Insitutte Of Technology. 1985. œSystem Dynamics in Education Project. Massachusetts: MIT-SDEP The MIT Press, dengan website; http//sysdyn.mit.edu/
Pegadaian. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.pegadaian.co.id/info-annual-report.php
Otoritas Jasa Keuangan Syariah. Diakses tanggal 25 Maret 2016 dari http://www.ojk.go.id
Al Masry, Ahmed., Debes, Ahmed. 2015. œIslamic & Commercial Banking Systems A Theoretical Comparison. University of Plymouth Business School.Asian Journal of Business Research.
Amin, Hanudin., Rosita Chonga., Hazmi Dahlana., dkk. 2007. œAn Ar-Rahnu Shop Acceptance Model (ARSAM). Malaysia: Labuan e-Journal of Muamalat and Society.
Ascarya, Diana Yumanita, and Guruh S. Rokhimah (2008), Efficiency Analysis of Conventional and Islamic Banks in Indonesia using Data Envelopment Analysis, Paper, International Seminar and Symposium, Airlangga University, Surabaya, Indonesia.
Bahari, Nor Fadilah, Zurina Safli, Nurul Wajhi Ahmad, Shafina Fisal, & Wan Shahdila Shah Shabar. 2015. œA Review On The Regulation and Conflicting Issues of Ar Rahnu Operation in Malaysia. Proceeding of 2nd International Conference on Management and Muamalah 2015 (2nd ICoMM), e-ISBN 978-967-0850-25-2.
Bashir Ahmad, S. A., Mansor, N., & Nadiah, A. N. (2012). œCustomer Acceptance on Islamic Pawn Broking: A Malaysian Case. Interdisiplinary Journal of Contemporary Research in Bussiness, 3 (10), 748.
Maker. Editor Edward B. Roberts. Cambridge: Managerial Applications of System Dynamics, The MIT Press.
Imani Mokhtar & Shah Rizal Zambahari. 2013. œAr rahnu: A Short Term Financing Alternative. Proceeding Paper IECONS 2013.863-871.
Manan, Abdul. 2009. œAspek Hukum dalam Penyelenggaraan Investasi di Pasar Modal Syariah Indonesia. Jakarta: Kencana Cet.1.
McDaniel, Carl., Joe F. Hair., Charles W. Lamb. 2015. œMKTG 8 Principles of Marketing.
Mochamad Aziz, Roikhan. 2008.Comparative Study of Islamic Bonds in Indonesia and Malaysia on System Dynamics Approach, Jurnal Ekonomi Kemasyarakatan Equilibrium, Vol, 5, No. 2, January-April, Jakarta, 2008. Http://www.stiead.ac.id
Muharam, H., Pusvitasari, Rizki. 2007. œAnalisis Perbandingan Efisiensi Bank Syariah dengan Metode Data Envelopment Analysis (Periode tahun 2005), Jurnal Ekonomi dan Bisnis Islam, Vol.2 No.3.
Rusydiana, Aam Slamet, dan Tim SMART Conculting. 2013. œMengukur Tingkat Efisiensi dengan Data Envelopment Analysis (DEA): Teori dan Aplikasi, SMART Publishing, Katulampa Bogor.
Saeed, Khalid. 1994. œDevelopment Planning And Policy Design: A System Dynamics Approach. Cambridge: Avebury.
Sharif, D., Shaharuddin, A. Muhamed. A, Pauzi, N. S., & Mohd, M. Z. 2012. œThe Improvement of Ar Rahn (Islamic Pawn Broking) Enhanced Product in Islamic Banking System. 9 (2), 36-47.
Sholikhul dan Muhammad Hadi. 2003. œPegadaian Syariah. Jakarta: Salemba Diniyah.
Sterman, John D., 2001. œSystem dynamics modeling: Tools for learning in a complex world. California: Management Review.
Sudarsono, Heri. 2015. Bank & Lembaga Keuangan Syariah Deskripsi dan Ilustrasi. Yogyakarta: Ekonisia.
Supriyadi, Ahmad. 2012. œStruktur Hukum Akad Rahn di Pegadaian Syariah Kudus. Empirik: Jurnal Penelitian Islam.
Susilowati, Indah, dkk. œModul Mengukur Efisiensi dengan Metode Data Envelopment Analysis (DEA) DEAWIN.exe, Fakultas Ekonomi, Universitas Dipenogoro, Semarang, 2004:1-3.
Sutawijaya, A. dan Lestari, E. P. 2009. œEfisiensi Teknik Perbankan Indonesia Pasca Krisis Ekonomi: Sebuah Studi Empiris Penerapan Model DEA, Jurnal Ekonomi Pembangunan, Vol. 10 No.1.
Tasrif, Muhammad. 2006. œAnalisis Kebijakan Menggunakan Model System Dynamics. Bandung: Program Magister Studi Pembangunan, Institut Teknologi Bandung.
Wijaya, Doni. Setiawan, Roy. 2013. œPengelolaan dan Pengembangan Produksi dan Operasional pada Usaha Emas. Article Manajemen Universitas Kristen Petra Agora Vol. 1 no. 1.
Zaihan Bin Mohammad Noar, Norsita Lin Bt Ahmad. 2015. œThe Effectiveness of Al-Rahn (Islamic Pawn Broking Scheme) on Socio-Economic Needs: A Case Study in Kuantan and Kuala Trengganu, Malaysia. Revelation and Science, Vol. 05, No. 02, (1437 H/2015) 14-23.
Bank Mega Syariah. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.megasyariah.co.id/.
Bank Negara Indonesia Syariah. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.bnisyariah.co.id/laporan-keuangan.
Bank Rakyat Indonesia Syariah. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.brisyariah.co.id/?q=laporan-tahunan.
Bank Syariah Mandiri. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.syariahmandiri.co.id/category/investor-relation/laporan-tahunan/
Hadad, Muliaman D., dkk. 2003. œPendekatan Parametrik Efisiensi Perbankan Indonesia, diakses tanggal 18 Maret 2016 dari: www.bi.go.id
Massachusetts Insitutte Of Technology. 1985. œSystem Dynamics in Education Project. Massachusetts: MIT-SDEP The MIT Press, dengan website; http//sysdyn.mit.edu/
Pegadaian. œLaporan Keuangan Tahunan 2008-2014, diakses tanggal 25 Maret 2016 dari http://www.pegadaian.co.id/info-annual-report.php
Otoritas Jasa Keuangan Syariah. Diakses tanggal 25 Maret 2016 dari http://www.ojk.go.id
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Published
2017-01-30
How to Cite
Roikhan, R. (2017). EFISIENSI PEGADAIAN SYARIAH DAN PROSPEK PERTUMBUHAN ASET DI INDONESIA. Al-Uqud : Journal of Islamic Economics, 1(1), 59–82. https://doi.org/10.26740/al-uqud.v1n1.p59-82
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