Dampak investasi emas pada masa covid-19 di Bank Syariah Indonesia (Bsi) Kc Palangka Raya 2

Sonia, Sela (2021) Dampak investasi emas pada masa covid-19 di Bank Syariah Indonesia (Bsi) Kc Palangka Raya 2. Undergraduate thesis, IAIN Palangka Raya.

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Abstract

Pengaruh yang ditimbulkan pada saat pandemi covid-19 mengalami tekanan hampir semua instrumen, tidak hanya pada satu bidang melainkan hampir semua aktivitas yang ada. Salah satu aspek yang menjadi perhatian di tengah merebaknya pandemi Covid-19 yaitu investasi. Bank Syariah Indonesia (BSI) KC Palangkaraya 2 memiliki 2 (dua) produk khusus investasi yang pertama investasi melalui cicil emas, dan tabungan emas. Penelitian ini bertujuan untuk ;(1) mengetahui prosedur pengajuan investasi emas pada Bank Syariah Indonesia (BSI) KC Palangkaraya 2. (2) Mengetahui dampak investasi emas pada masa covid-19 di Bank Syariah Indonesia (BSI) KC Palangkaraya 2.

Metode yang digunakan dalam penelitian ini adalah metode kualitatif deskriptif dengan menggunakan pendekatan fenomenologis dan jenisnya field research atau penelitian lapangan, yaitu dengan menguraikan data-data yang telah dikumpulkan. Teknik pengumpulan data dalam penelitian ini menggunakan observasi, wawancara, dokumentasi. Subjek penelitian ini berjumlah 2 (dua) orang dan 2 (dua) informan yang terdiri dari Pawning Staff Appraisal, dan nasabah, Sedangkan objeknya adalah dampak investasi emas pada masa covid-19 di Bank Syariah Indonesia (BSI) KC Palangkaraya 2. Pengabsahan data penelitian ini menggunakan triangulasi sumber data dan analisis data.

Hasil penelitian ini menunjukkan bahwa (1) Prosedur pengajuan investasi emas di Bank Syariah Indonesia KC Palangkaraya 2, Prosedur pengajuan investasi melalui tabungan emas pembukaannya hanya melalui fitur BSI Mobile, nasabah cukup mengisi syarat dan ketentuan seperti mengisi nomor NPWP dan foto NPWP setelah itu menyediakan biaya senilai RP. 1.00.000 untuk setoran awal, dan untuk prosedur pembiayaan investasi emas melalui cicil emas calon nasabah cukup memiliki KTP, buku tabungan Bank Syariah Indonesia, NPWP apabila melakukan pembiayaan di atas RP. 50.000.000, formulir serta menyediakan dana untuk melakukan pembiayaan investasi emas. (2) Dampak investasi emas pada masa covid-19 di Bank Syariah Indonesia KC Palangkaraya 2 positif bahwa investasi emas mengalami peningkatan, dilihat dari jumlah data nasabah dan jumlah dana investasi cicil emas pada tiga tahun terakhir yaitu sebesar 1,5 M. Adapun kendala yang dialami bank pada saat covid-19 hanya pada pendistribusian emas dikarenakan PSBB. Pihak Bank Syariah Indonesia KC Palangkaraya 2 hanya dapat mengorderkan emas PT.Antam satu kali dalam setahun.

ABSTRACT

The impact caused during the COVID-19 pandemic was under pressure from almost all instruments, not only in one field but in almost all existing activities. One aspect of concern in the midst of the Covid-19 pandemic is investment. Bank Syariah Indonesia (BSI) KC Palangkaraya 2 has 2 (two) special investment products, the first is investment through gold installments, and gold savings. This study aims to: (1) find out the procedure for submitting gold investment at Bank Syariah Indonesia (BSI) KC Palangkaraya 2. (2) Knowing the impact of gold investment during the covid-19 period at Bank Syariah Indonesia (BSI) KC Palangkaraya 2.

The method used in this study is a descriptive qualitative method using a phenomenological approach and the type is field research, or field research, namely by describing the data that has been collected. Data collection techniques in this study using observation, interviews, documentation. The subjects of this study amounted to 2 (two) people and 2 (two) informants consisting of Pawning Staff Appraisal, and customers, while the object was the impact of gold investment during the covid-19 period at Bank Syariah Indonesia (BSI) KC Palangkaraya 2. Validation of this research data using triangulation of data sources and data analysis.

The results of this study indicate that (1) The procedure for submitting a gold investment at Bank Syariah Indonesia KC Palangkaraya 2, the procedure for submitting an investment through gold savings, the opening is only through the BSI Mobile feature, the customer simply fills in the terms and conditions such as filling in the TIN number and photo of the TIN after that provides a fee. worth Rp. 1,000,000 for the initial deposit, and for the gold investment financing procedure through gold installments, prospective customers only need to have an ID card, Bank Syariah Indonesia savings book, NPWP if financing above RP. 50,000,000, forms and provides funds to finance gold investments. (2) The impact of gold investment during the covid-19 period at Bank Syariah Indonesia KC Palangka Raya 2 that gold investment has increased, seen from the number of customer data and the number of gold installment investment funds in the last three years, which is 1.5 billion. The obstacles experienced by banks during the Covid-19 period were only in the distribution of gold due to the PSBB. Bank Syariah Indonesia KC Palangkaraya 2 can only order PT. Antam gold once a year.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Bank Syariah; Investasi Emas
Subjects: 18 LAW AND LEGAL STUDIES > 1801 Law > 180127 Mu'amalah (Islamic Commercial & Contract Law) > 18012799 Mu'amalah (Islamic Commercial & Contract Law) not elsewhere classified
Divisions: Fakultas Ekonomi dan Bisnis Islam > Jurusan Ekonomi Islam > Program Studi Perbankan Syariah
Depositing User: puttry puttry ekaputri
Date Deposited: 13 Aug 2022 03:28
Last Modified: 13 Aug 2022 03:28
URI: http://digilib.iain-palangkaraya.ac.id/id/eprint/4088

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