Proceedings of the 3rd Borobudur International Symposium on Humanities and Social Science 2021 (BIS-HSS 2021)

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The Role of Digital Technology in Gold-Pawning Practice in Bank Syariah Indonesia (BSI)

Authors
Rini Ariyanti1, *, Bunga M. Shalihah2, Fitria Rahmah3, Akbar Sarif4, Nurul Aini binti Muhammed5
1Faculty of Economic and Muamalat Universiti Sains Islam Malaysia, Malaysia
2Faculty of Islamic Economics and Business UIN Raden Fatah Palembang, Indonesia
3Faculty of Islamic Economics and Business UIN Sultan Aji Muhammad Idris Samarinda, Malaysia
4Academy of Islamic Studies, University of Malaya, Malaysia
5Faculty of Economic and Muamalat Universiti Sains Islam Malaysia, Malaysia
*Corresponding author. Email: tehrini.ariyanti@gmail.com
Corresponding Author
Rini Ariyanti
Available Online 29 December 2022.
DOI
10.2991/978-2-494069-49-7_52How to use a DOI?
Keywords
Digital Technology; Digital Banking; Gold Pawn; BSI Mobile Banking
Abstract

Bank Syariah Indonesia (BSI) was only officially legalized and established on the1st of February 2021. Albeit being a new bank, Bank Syariah Indonesia (BSI) was presented to provide more complete, varied products, a broader network, a better capital capacity, and novel service innovation aimed to ease customers. One of the products is gold pawn. This study aims to analyse the role of digital technology in the practice of gold-pawning in Bank Syariah Indonesia (BSI). This research uses a descriptive qualitative approach. The results indicate that digital technology in BSI's gold-pawning practice, both with the pick-up and drop-off method, affects the gold-pawn online application process through BSI mobile banking. Through BSI mobile banking, customers can simulate the gold estimate calculation, estimate the financing value, apply for the financing value, choose the gold-pawn service method. Additionally, they can enter the data for the location, date, and time of the pick-up service, insert pass photo, photo of Personal Identity Card (KTP), photo of the gold collateral, the desired BSI branch office, and they can fill in and check the financing data, debit authorization, extension method, AML (Anti Money Laundering) and KYC (Know Your Customer), Customer statement, and terms of financing application.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 3rd Borobudur International Symposium on Humanities and Social Science 2021 (BIS-HSS 2021)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
29 December 2022
ISBN
10.2991/978-2-494069-49-7_52
ISSN
2352-5398
DOI
10.2991/978-2-494069-49-7_52How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Rini Ariyanti
AU  - Bunga M. Shalihah
AU  - Fitria Rahmah
AU  - Akbar Sarif
AU  - Nurul Aini binti Muhammed
PY  - 2022
DA  - 2022/12/29
TI  - The Role of Digital Technology in Gold-Pawning Practice in Bank Syariah Indonesia (BSI)
BT  - Proceedings of the 3rd Borobudur International Symposium on Humanities and Social Science 2021 (BIS-HSS 2021)
PB  - Atlantis Press
SP  - 314
EP  - 318
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-494069-49-7_52
DO  - 10.2991/978-2-494069-49-7_52
ID  - Ariyanti2022
ER  -