PELELANGAN OBJEK PERJANJIAN GADAI EMAS ANTARA NASABAH DENGAN BANK BRI SYARIAH CABANG PEKANBARU
Abstract
Gold Pawn is one of the BRI Syariah Syariah products which is included in the
category of financing based on al-qardh (giving), the funds must be returned by the customer
to the bank at the same time or in installments up to the due date and implemented by
applying the prudent bankking principle ) as well as the principle of getting to know
customers (know customers). In practice, in the procedure for settlement of collateral items
due at BRI Syariah Bank, contact the Customers whose loan maturity is due, the 4th day after
the maturity of the loan. Purpose Writing this thesis, namely: First, to find out the procedure
for auctioning the object of the gold pawning agreement between customers and BRI Syariah
Bank Pekanbaru Branch. Second, to find out the legal protection of customers auctioning the
object of the gold pawning agreement at BRI Syariah Bank Pekanbaru Branch.
This type of research can be classified as a type of sociological legal research,
because in this study the authors directly conduct research on the location or places that are
studied to provide a complete and clear picture of the problem under study. This research
was conducted at BRI Syariah Bank Pekanbaru Branch, while the population and sample
were all sections related to this research, the data sources used were primary data,
secondary data and tertiary data, data collection techniques, namely interviews and
literature studies.
From the results of research and discussion it can be concluded that, in the gold
auction procedure at PT. BRI Syariah Bank Pekanbaru Branch has not used Minister of
Finance Regulation No. 93 /PMK.06/2010 concerning Bidding Implementation Guidelines.
The bank still uses the guidelines for conducting auctions made by the directors of PT. Bank
BRI Syariah Pusat. Which in Article 2 of the PMK 2010 states that: Every auction must be
carried out by and / or in front of the Auction Officer. The legal protection of customers as
consumers is listed in the Civil Code in Article 1155 which states that collateral items
auctioned will be auctioned before the public and in accordance with applicable regulations
so as not to cause harm to customers.
Keywords: Auction of Gold Pawn Agreement Objects at BRI Syariah Bank.
category of financing based on al-qardh (giving), the funds must be returned by the customer
to the bank at the same time or in installments up to the due date and implemented by
applying the prudent bankking principle ) as well as the principle of getting to know
customers (know customers). In practice, in the procedure for settlement of collateral items
due at BRI Syariah Bank, contact the Customers whose loan maturity is due, the 4th day after
the maturity of the loan. Purpose Writing this thesis, namely: First, to find out the procedure
for auctioning the object of the gold pawning agreement between customers and BRI Syariah
Bank Pekanbaru Branch. Second, to find out the legal protection of customers auctioning the
object of the gold pawning agreement at BRI Syariah Bank Pekanbaru Branch.
This type of research can be classified as a type of sociological legal research,
because in this study the authors directly conduct research on the location or places that are
studied to provide a complete and clear picture of the problem under study. This research
was conducted at BRI Syariah Bank Pekanbaru Branch, while the population and sample
were all sections related to this research, the data sources used were primary data,
secondary data and tertiary data, data collection techniques, namely interviews and
literature studies.
From the results of research and discussion it can be concluded that, in the gold
auction procedure at PT. BRI Syariah Bank Pekanbaru Branch has not used Minister of
Finance Regulation No. 93 /PMK.06/2010 concerning Bidding Implementation Guidelines.
The bank still uses the guidelines for conducting auctions made by the directors of PT. Bank
BRI Syariah Pusat. Which in Article 2 of the PMK 2010 states that: Every auction must be
carried out by and / or in front of the Auction Officer. The legal protection of customers as
consumers is listed in the Civil Code in Article 1155 which states that collateral items
auctioned will be auctioned before the public and in accordance with applicable regulations
so as not to cause harm to customers.
Keywords: Auction of Gold Pawn Agreement Objects at BRI Syariah Bank.
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