ANALISIS PENENTUAN PEMINJAM YANG LAYAK DENGAN MENGGUNAKAN METODE AHP DI PEGADAIAN SYARI’AH LHOKSEUMAWE
DOI:
https://doi.org/10.53912/iej.v10i2.713Keywords:
Peminjam, kriteria 5C, AHP.Abstract
Pegadaian Syariah Cabang Lhokseumawe yang terletak di Jalan Ps Inpres, Kota Lhokseumawe merupakan salah satu Cabang Pegadaian Syariah yang menyalurkan dana pembiayaan pada nasabah dengan cara memberikan pinjaman yang mengikuti penetapan kebijakan 5C. Minat masyarakat yang memanfaatkan jasa Pegadaian Syariah terbilang cukup besar, karena Pegadaian Syariah tidak menekankan pada pemberian bunga dari barang yang dijaminkan hanya saja wajib memenuhi syarat 5C. Untuk menentukan peminjam yang layak untuk diberikan pinjaman maka metode yang digunakan adalah Analitical Hierarchy Process ( AHP). Dari hasil pengolahan data di dapatkan hasil urutan penerima peminjam yang layak yaitu ASN sebesar 37,2%, Non ASN sebesar 28,6%, Pedagang sebesar 24,2% dan BUMN sebesar 10,0%. Jadi yang layak menerima pinjaman adalah ASN karena memenuhi kriteria 5C. Serta metode AHP ini dapat diketahui jika perhitungan indeks konsistensi < 0,1 maka perhitungan akan menghasilkan solusi yang optimal.References
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