https://journal.lembagakita.org/jemensri <p><strong>Jurnal Ekonomi Manajemen dan Sekretari (JEMENSRI)</strong>, e-ISSN: <a href="https://issn.brin.go.id/terbit/detail/20210422160037626" target="_blank" rel="noopener">2776-4672</a> and p-ISSN: <a href="https://issn.brin.go.id/terbit/detail/1467296016" target="_blank" rel="noopener">2528-231X</a>, is a free and open-access journal published by the Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia.The development of science related to economics, management and secretarial both theoretically and empirically has proven to have a positive impact on various aspects of people's lives. The development of economics and management, for example, has provided many benefits for increasing effectiveness and efficiency in various economic activities. Likewise, secretarial knowledge can contribute to the ease of carrying out administrative tasks in both government and non-government institutions. Until now, many researches related to economics, management and secretarial have been carried out by academics, practitioners and researchers who are concerned with these fields of science. However, not all research results can be published in scientific journals. Jurnal Ekonomi Manajemen dan Sekretari (JEMENSRI) does not only intend to publish the results of empirical and theoretical studies related to management and secretarial economics. But more than that, JEMENSRI is a means of disseminating research results related to the three fields of science. All published article URLs will have a digital object identifier (DOI).</p> <p> To submit your article to Jurnal Ekonomi Manajemen dan Sekretari (JEMENSRI)<strong> </strong>;</p> <ul> <li class="show">You have to <a class="label label-info" href="http://journal.lembagakita.org/index.php/jemensri/user/register">Register</a> or <a class="label label-success" href="http://journal.lembagakita.org/index.php/jemensri/login">Login</a> to submit your or.</li> <li class="show">You can access the manuscript format from the author guidelines.</li> <li class="show">Download <a class="label label-warning" href="https://drive.google.com/file/d/1RAog9Of-FnHGGmjweFsDzawZXkUjDQ84" target="_blank" rel="noopener">Template (English)</a>, <a class="label label-primary" href="https://journal.lembagakita.org/jemensri/management/settings/1xPeSK6Yn3NOtvfyrag7VEqkvq33OQ9Iu" target="_blank" rel="noopener">Template (Indonesia)</a></li> </ul> Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh en-US Jurnal Ekonomi Manajemen dan Sekretari 2528-231X https://journal.lembagakita.org/jemensri/article/view/3640 <p><em>Sharia gold pawning is a financing service with gold as collateral, offering a quick option for obtaining financing. This study aims to analyze the application of rahn, qardh, and ijarah contracts in the sharia gold pawn product at PT. Bank Aceh Syariah, Jeuram Branch. The study employs a qualitative descriptive method, which aims to systematically analyze and describe the practices of sharia gold pawning. Data collection was conducted through observation and interviews with gold pawn appraisers at PT. Bank Aceh Syariah, Jeuram Branch. The results of the study at PT. Bank Aceh Syariah, Jeuram Branch, show that the implementation of the rahn contract occurs when the gold is handed over and stored in the treasury after undergoing several stages. These stages include the gold appraisal process, which involves physical analysis, testing with a testing needle, and the calculation of the gold's specific gravity. The application of the qardh contract takes place when the customer receives a sum of money after completing the aforementioned stages. Meanwhile, the ijarah contract is implemented when the financing or qardh reaches maturity, where the customer pays a fee for the storage or maintenance of the pledged gold during the period. The gold used as collateral remains stored in the treasury. This study concludes that the implementation of rahn, qardh, and ijarah contracts in the gold pawn product at PT. Bank Aceh Syariah, Jeuram Branch, complies with sharia principles and the provisions stipulated in the Fatwa of the National Sharia Council</em></p> M Junaidi Ridwan Nurdin Bismi Khalidin Copyright (c) 2025 M Junaidi, Ridwan Nurdin, Bismi Khalidin https://creativecommons.org/licenses/by/4.0 2025-04-26 2025-04-26 10 1 1 9 10.35870/jemensri.v10i1.3640