Perilaku Nasabah dalam Memilih Produk Gadai Emas di BMT UGT Sidogiri Cabang Pembantu Tlanakan

Abstract

The fulfillment of daily needs encourages people to obtain money as a medium of exchange for acquiring goods and services. One of the efforts undertaken by the community is accessing financing through financial institutions, including utilizing Islamic gold pawn products. In Tlanakan District, many people use the gold pawn service at BMT UGT Sidogiri Tlanakan Sub-Branch as a source of capital and to meet urgent financial needs. This study aims to analyze customers’ behavior in choosing Islamic gold pawn products at the institution. The research employed a qualitative approach with a descriptive method. Data were collected through direct interviews with customers and documentation related to the implementation of the gold pawn service. The findings indicate that most customers conduct transactions between 10:00 a.m. and 12:00 p.m. The gold pawn product receives positive responses because it enables customers to obtain funds quickly. However, most customers pay little attention to the contracts and Islamic principles applied. The main factors influencing customers’ interest in using the gold pawn service are the strategic location of the BMT near their residences, satisfactory service quality, and an easy and fast financing disbursement process. These findings show that accessibility and service convenience play a more dominant role than understanding Islamic principles in influencing customers’ financing choices.