Syariah Mandiri Jabar Banten

Syariah BNI
85
80
90
20,000
0
50000
5650/gram/bln
3200/gram/bln
1.60%
4 bln
12 bln
2 bln

Nilai Gadai
Biaya Admin
Biaya Gadai (ijarah)
Jangka waktu

Syariah Mega

Pegadaian
93

0.3%-0.6%
1.7-2.4%
4 bulan

90
1%
1-1.3%
4 bulan

5,650
2,932,500
20,000
56,500
76,500
918,000

3200
2,760,000
32000
32,000
384,000

1.6
3,105,000
50,000
49,680
99,680
1,196,160

2.4
3,208,500
19,251
77,004
96,255
1,155,060

1.3
3,105,000
31,050
40,365
71,415
856,980

25 gram

7,331,250
20,000
141,250
161,250
1,935,000

6,900,000
80000
80,000
960,000

7,762,500
50,000
124,200
174,200
2,090,400

8,021,250
48,128
192,510
240,638
2,887,650

7,762,500
77,625
100,913
178,538
2,142,450

50
Admin
Gadai
Total Biaya /bln
Total Biaya /thn

50 gram

14,662,500
20,000
282,500
302,500
3,630,000

13800000
160000
160,000
1,920,000

15525000
50,000
248,400
298,400
3,580,800

16042500
96,255
385,020
481,275
5,775,300

15525000
155,250
201,825
357,075
4,284,900

100
Admin
Gadai
Total Biaya /bln
Total Biaya /thn

100 gram

29,325,000
20,000
565,000
585,000
7,020,000

27600000
320000
320,000
3,840,000

31050000
50,000
496,800
546,800
6,561,600

32085000
192,510
770,040
962,550
11,550,600

31050000
310,500
403,650
714,150
8,569,800

Contoh:
10 gram
Emas ke

Menggunakan Syariah Mandiri

10
Admin
Gadai
Total Biaya /bln
Total Biaya /thn

10 gram

25
Admin
Gadai
Total Biaya /bln
Total Biaya /thn

1
2
3
4
5
Rata2 Harga Beli

Harga
3,450,000
3,500,000
3,600,000
3,550,000
3,600,000
354,000

Gadai
2,932,500
2,975,000
3,060,000
3,017,500
key

Kenaikan harga emas

17%
Panen
414,180
Emas ke
Harga
Tebus Gadai
5 4,141,800
2,932,500
4 4,141,800
2,975,000
3 4,141,800
3,060,000
2 4,141,800
3,017,500
1 4,141,800
Total hasil
Selisih
Gain/Keuntungan

8,724,000
4,500
0.1%

Titip setahun
918,000
918,000
918,000
918,000
3,672,000

Dana tambahan Total dana yang dibutuhkan

4,368,000
525,000
1,443,000
540,000
1,458,000
532,500
1,450,500
1,597,500
8,719,500

Sisa

Total
1,209,300
1,166,800
1,081,800
1,124,300

1,209,300
2,376,100
3,457,900
4,582,200