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Purchase Of Gold Page Auction At The Sibolga Branch Pegadaan
Arofona Hulu Universitas Darma Agung
Article Info ABSTRACT
Article history:
Received April 2020 Revised May 2020 Accepted June 2020
This thesis is to determine the Mechanism of Determining the Auction Price and the Factors Influencing the Purchase of Gold Pawn Auctions at the Sibolga Pawnshop Branch. The purpose of this paper is to find out the mechanism for determining the auction price of gold pawned goods at PT.
Procurement of the Sibolga Branch, and To find out the mechanism for determining the auction price of gold pawned goods and its application at the Procurement of the Sibolga Branch. This research uses a descriptive type with a qualitative approach that emphasizes the disclosure of meaning and processes related to the behavior and social actions of the local community and the city government. The results obtained are the auction price mechanism at PT. Pegadaian Sibolga Branch has used the principle, where if the customer's collateral has matured, the pawnshop informs the customer that the collateral is due, but the customer does not extend it, the pawnshop conducts an auction, to determine the auction price of the collateral in the economy which must be It is important to note that the first to look at the base price of the gold auction, do a re-estimation, try to sell the auction as high as possible, where PT. Pegadaian Sibolga Branch has used it. The factors that influence consumers to decide to buy gold pawn auction goods from PT. The Sibolga Branch Pawnshops are (1). Price, (2) Service, and (3). Promotion.
Keywords:
Gold Mechanism Price
This is an open access article under the CC BY-SA license.
Corresponding Author:
Arofona Hulu
Department of Management, Universitas Darma Agung Email: [email protected]
INTRODUCTION
Whether we realize it or not, in social life, humans are always related to one another. Help in the form of loans, the law teaches that the interests of creditors should not be harmed. Therefore, there must be a guarantee of goods from the debtor for the loan provided by the creditor. So that if the debtor is unable to repay the loan, the collateral can be sold as a redeemer for the loan. This concept is known as rahn or pawn.
Pawn is one category of debt-receivable agreement which is for the trust of the person who owes the debt. However, in reality, pawning at this time, in practice, shows that there are several things that apply to injustice, namely leading to a problem of usury. Lubis (2012: 140).
Pawnshops are actually engaged in pawn services. However, in its development there are always customers who are unable to redeem the pawned goods. The pawned goods are sold by the pawnshop by auction. Therefore, at the pawnshop, auction events are always held for a certain period, Waren in Siagian (2010: 91) Perhaps the fastest growing sector of world trade is the trade in services.
From table 1 it can be seen that the price of gold at PT. Pegadaian Sibolga Branch fluctuated. This can be seen in the last 5 years, where the gold price which experienced a significant increase occurred in 2020, which was Rp. 945,000/gram, because that year experienced inflation caused by the covid 19 virus. From the comparative data of PT. Pawnshops in the city market of Sibolga can be concluded that the price level has increased significantly after the Pandemic and before the pandemic occurred in 2020.
Based on the table above, it can be concluded that customers who make purchases of gold at PT. Pegadaian Sibolga Branch has fluctuated, it can be seen that in 2018 the number of visitors who made purchases was quite significant, as many as 367 consumers. Meanwhile, the number of consumers who experienced a significant decline in 2019 was 279 customers. Then in 2016 the number of visitors was 280 consumers, in 2017 there were 322 consumers, in 2020 there were 345 consumers.
PT. The Sibolga Branch Pawnshop determines the price of Precious Metals, namely Gold, determines the price according to the initial expenditure, which means here according to the agreement made.
Based on the description above, the author tries to analyze in Islamic economics what kind of price is used according to the principles in the auction system, then raises it in a title "Mechanism of Determining Auction Prices and Factors Affecting the Purchase of Gold Pawn Auctions at the Sibolga Pawnshop".
Formulation of the problem
Based on the background of the problem described above, the formulation of the problem for this research is:
How is the mechanism for determining the auction price of gold pawned goods at PT. Sibolga Branch Procurement ?
What factors influence consumers to decide to buy Gold at PT. Sibolga Branch Procurement?
Research Objectives and Uses
The objectives of this research are as follows:
To find out the mechanism for determining the auction price of gold pawned goods at PT. Sibolga Branch Procurement. To find out the mechanism for determining the auction price of gold pawned goods and its application at the Sibolga Branch Procurement.
METHOD
Research Location and Research Time
The research location is useful for limiting the area and time of the studied variables. The location of the author's research to conduct this research is at the Sibolga Pegadaian Branch Office.
The time used by researchers for this research was carried out from the date of issuance of the research permit within a period of approximately 4 (months) months, starting from April to July 2021.
Research Population and Research Sample
The research population to see the Mechanism of Determining Auction Prices and the Factors Influencing the Purchase of Gold Pawn Auctions at Pegadain Sibolga Branch are employees of PT. Pawnshop Sibolga Branch, totaling 6 people.
The research sample to see the Mechanism of Determining the Auction Price and the Factors Influencing the Purchase of the Gold Pawn Auction at Pegadain Sibolga Branch are employees of PT. Pegadaian Sibolga Branch, totaling 6 people as key informants and 2 customers of PT. Pegadaian Sibolga Branch as additional informants selected and determined by researchers at random.
Variable Operational Definition
Jurnal Ilmiah Socio Secretum, Vol. 10, No. 1, June 2020: 14-19
data that will be collected through this research is primary data. Secondary data obtained directly from interviews and documentation as well as field notes of researchers relevant to the problems studied, namely the Mechanism of Determining Auction Prices and Factors Influencing the Purchase of Gold Pawn Auctions at Pegadain Sibolga Branch.
Method of collecting data
Library research (Library research) Company data
History and profile of the Sibolga Pawnshop, the organizational structure of the Sibolga Pawnshop Data on the number of customers of the Sibolga Pawnshop Branch
Literature books Internet
Previous research, Journal Field research (Field research )
Observation, Interview, Documentation Data analysis method
The data analysis method used in this study is to use descriptive and deductive methods where research is carried out to reveal the data that has been collected in the form of words, pictures, and not numbers obtained from empirical field phenomena in order to describe and interpret research results. The research method is described as follows:
Descriptive research method Deductive research method
In this study, conclusions were drawn by taking the essence of a series of categories of research results based on observations, interviews and documentation of research results.
RESULTS AND DISCUSSION
Overview of PT. Pegadaian (Persero) Sibolga Branch Pawnshop History
The history of the development of pawnshops began when the VOC established Bank Van Leening in 1746 as a financial institution that provided credit with a pawn system. However, the development of Bank Van Leening did not last long because in 1811 Bank Van Leening was taken by an expert by the British government, the efforts made by the British government were that the public was given the freedom to establish a pawnshop.
in 1901 the State pawnshop was first established in Sukabumi, West Java on April 1, 1901, then in 1905 a pawnshop began to be formed in the form of an official institution known as a Jawatan company.
In 1969 based on Government Regulation (PP) number 7 of 1969 explaining the change in the form of a legal entity from a PN (State Company) to a Perjan (Corporate Company).
On April 1, 2012 based on Government Regulation (PP) number 51 of 2011 the name of Perum (General Company) was changed to Persero (Individual Company). The term Persero (Individual Company) is still used until 2021.
Vision and Mission of the Sibolga Pawnshop Vision
To become the most valuable financial company in Indonesia and as a financial inclusion agent of choice for the community.
Mission
Provide optimal benefits and benefits for all stakeholders by developing the core business.
Building a diversified business by developing new businesses to add proportional value to customers and stakeholders
Providing service excellence with customer focus through simpler and digital business processes, reliable and up-to-date technology, strong risk management practices, professional human resources with good performance culture.
Sibolga Branch Pawnshop Corporate Culture
To support the company's vision and mission, PT Pegadaian establishes a corporate culture that must be studied, understood, internalized, and implemented by all Pegadaian personnel, namely the G-Value spirit which consists of: integrity, professionalism, mutual trust, customer focus, and social values. The following is an explanation of each symbol
Integrity (Integrity)
Professional (Professional) Mutual trust
Customer Focus (Customer Focus) Social Value
Sibolga Branch Pawnshop Products Secure Fast Credit
Fast Secured Credit (KCA) is a loan with a pawn system that is given to all groups of people for both consumptive and productive needs.
Krasida (Pawning Installment System Credit)
Monthly installment loans given to micro, small and medium enterprises (MSMEs) to develop businesses with a pawn system.
Kreasi (Fiducial system installment credit)
Creation, namely loans (loans) with a monthly installment system for small and medium enterprises (SMEs) development for business development with a fiduciary system.
Glorious
Mulia is a service for selling gold bullion to the public in cash or with an installment system with an easy process and flexible timeframe.
Gold Savings
Gold Savings is a gold buying and selling service with deposit facilities at very affordable prices.
MPO (Multi payment online)
This MPO (Multi payment online) is an online payment facility, such as electricity bills, telephone bills, train ticket purchases, and other payments in online form.
Custody Services.
Custody services are facilities such as save deposit boxes offered by pawnshops to the public with the intention of protecting documents or other valuables.
Gallery 24 (Pawn shop gold)
This product was created to provide jewelry of true quality and modern jewelry design.
The Motto of the Sibolga Pawnshop
The general motto that is already known by the Indonesian people regarding this pawnshop is "overcoming problems without problems" which means that every customer who comes to the pawnshop has the main goal of solving problems that are obtained by outside customers, and other costs provided by the pawnshop for borrower transactions. the capital is not too much or to cause new problems for customers.
The Meaning and Meaning of the Pegadaian Logo
The three circle logo values collaboration, transparency and trust. And become a place for all solutions with symbols and balance which is the equity of the pawnshop. These three circles represent the 3 core pawnshop services (financing, gold, and variants) that collaborate. The green color is taken from the equity of the pawnshop which reflects the meaning of growth.
Main Duties and Organizational Structure of PT. Pawnshop Sibolga Branch
Based on the government regulation of the Republic of Indonesia number 103 of 2000, regarding PT. Pegadaian (Persero) that “PT. Pegadaian is led by a Director, namely the Director of Operations and Development, the Director of Finance, and the General Director who all function as Staff of the President Director”.
The function of regional leaders in fostering pawn service units is to be responsible for starting the opening of pawn service unit branch offices, fostering daily operations as well as handling the financial administration of all pawn branch offices in their respective regions.
Organizational structure at PT. Pegadaian (Persero) Sibolga Branch are as follows:
Figure 1. Organizational structure at PT. Pegadaian (Persero) Sibolga Branch Source of Funds PT. Pawnshop Sibolga Branch
Pegadaian as a non-bank financial institution is not allowed to collect funds directly from the public in the form of savings. For example, demand deposits, deposits and savings as well as sources of bank funds. To meet its funding needs, PT. Pegadaian has the following sources of funds:
Jurnal Ilmiah Socio Secretum, Vol. 10, No. 1, June 2020: 14-19 Existing disbursement of funds
Research result
Mechanism of Pricing for Auction of Gold Pawn Goods at PT. Pawnshop Sibolga Branch
Based on an interview with Mr. Andriono, M. Ak as Manager (Leader) at PT. Pegadaian Sibolga Branch on August 03, 2021 at 10.00 at the office of PT. Pegadaian Sibolga Branch said that: "The price at the pawnshop is determined by the balance of supply and demand made between buyers and sellers who use the element of willingness, the pawnshop, namely the pawnshop employee, adjusts to the local market price and the central market price by using a fair price, namely the price (which does not cause oppression) so that it does not harm one party and benefits the other.
In line with the above, the interview with Mr. Hendro Siallagan, M. Ak, Assistant Manager at PT. Pegadaian Sibolga Branch on August 4, 2021 at 10.00 said that: "The concept of the auction price for collateral goods at the Sibolga Pawnshop is that the pawnshop adjusts to the base price of gold prevailing in the local market at the time the auction is carried out then the pawnshop seeks the highest price in each auction sales where it is intended to protect customers from losses because the goods have been auctioned off by the Pegadaian at the time of the auction and the results of the auction sale the pawnshop only take loan money for maintenance costs, auction tax (2% of the loan money).
Based on the results of the interviews above, the authors conclude that the sale and purchase of collateral auctions at PT. The Sibolga Branch Pawnshop is in accordance with the economy. This is evidenced in the sale and purchase according to the economy including there are sellers, buyers, handovers, objects or goods.
Based on the description above, it can be concluded that the application of the concept of auction price at PT.
Pegadaian Sibolga Branch has used economic principles, where if the customer's collateral is due, the pawnshop informs the customer that the collateral is due, but the customer does not extend it, PT. Pegadaian Sibolga Branch conducts an auction, and in this auction process the pawnshop conducts a survey first to the local market and the central market and conducts a re-assessment so as not to cause oppression so that it can harm one party and benefit the other party.
Factors Affecting Purchase of Gold Pawn Auction Goods PT. Pawnshop Sibolga Branch
There are several factors that influence consumers to decide to buy gold pawn auction auction items from PT.
Pawnshop Sibolga Branch.
Price, Service, Promotion Discussion
Mechanism of Pricing for Auction of Gold Pawn Goods at PT. Pawnshop Sibolga Branch
The price mechanism is a process that runs on the basis of the force of attraction between consumers - consumers and producers - producers who meet in the market.
Boyd, in Bagus (2012:666) states that: "There are a number of ways of setting prices, but any method used should take into account situational factors.
Based on the description above, it can be concluded that the application of the concept of auction price at PT.
Pegadaian Sibolga Branch has used economic principles, where if the customer's collateral is due, the pawnshop informs the customer that the collateral is due, but the customer does not extend it, PT. Pegadaian Sibolga Branch conducts an auction, and in this auction process the pawnshop conducts a survey first to the local market and the central market and conducts a re-assessment so as not to cause oppression so that it can harm one party and benefit the other party.
Factors Affecting Purchase of Gold Pawn Auction Goods PT. Pawnshop Sibolga Branch
There are several factors that influence consumers to decide to buy gold pawn auction auction items from PT.
Pegadaian Branch Sibolga from the results of the research that departs from the theory above, namely:
Price
Price in the economy is one of the elements of the marketing mix that generates revenue. The price is intended to communicate the value position of the product made by the manufacturer.
Service
Service is an activity that is directly carried out by employees of PT. Pegadaian Sibolga Branch to provide fast and responsive services. Responsiveness can require a positive perception of the quality of the services provided, the service is also very much noticed by consumers if a good company service will attract consumers to buy the Gold.
Promotion
Promotion is a collection of incentive tools, mostly short term, designed to stimulate faster and greater purchase of a particular product by consumers or merchants. Promotion is also a type of communication that gives convincing explanations to potential consumers about goods and services.
CONCLUSION
In accordance with the research problem of the thesis, the researcher can draw conclusions regarding the knowledge of the concept or mechanism of the auction price of collateral goods in the economy, the authors conclude: The auction price mechanism at PT. Pegadaian Sibolga Branch has used the principle, where if the customer's collateral is due, the pawnshop informs the customer that the collateral is due, but the customer does not extend it, the pawnshop conducts an auction, to determine the auction price of the collateral in the economy which must be It is important to note that the first to look at the base price of the gold auction, do a re-estimation, try to sell the auction as high as possible, where PT. The Sibolga Branch Pawnshop has already used it. The factors that influence consumers to decide to buy gold pawn auction auction items PT. The Sibolga Branch Pawnshops are (1). Price, (2) Service, and (3). Promotion.
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