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Syariah Mandiri Jabar Banten Syariah BNI Syariah Mega Pegadaian

Nilai Gadai 85 80 90 93 90
Biaya Admin 20,000 0 50000 0.3%-0.6% 1%
Biaya Gadai (ijarah) 5650/gram/bln 3200/gram/bln 1.60% 1.7-2.4% 1-1.3%
Jangka waktu 4 bln 12 bln 2 bln 4 bulan 4 bulan

5,650 3200 1.6 2.4 1.3


10 10 gram 2,932,500 2,760,000 3,105,000 3,208,500 3,105,000
Admin 20,000 - 50,000 19,251 31,050
Gadai 56,500 32000 49,680 77,004 40,365
Total Biaya /bln 76,500 32,000 99,680 96,255 71,415
Total Biaya /thn 918,000 384,000 1,196,160 1,155,060 856,980

25 25 gram 7,331,250 6,900,000 7,762,500 8,021,250 7,762,500


Admin 20,000 - 50,000 48,128 77,625
Gadai 141,250 80000 124,200 192,510 100,913
Total Biaya /bln 161,250 80,000 174,200 240,638 178,538
Total Biaya /thn 1,935,000 960,000 2,090,400 2,887,650 2,142,450

50 50 gram 14,662,500 13800000 15525000 16042500 15525000


Admin 20,000 - 50,000 96,255 155,250
Gadai 282,500 160000 248,400 385,020 201,825
Total Biaya /bln 302,500 160,000 298,400 481,275 357,075
Total Biaya /thn 3,630,000 1,920,000 3,580,800 5,775,300 4,284,900

100 100 gram 29,325,000 27600000 31050000 32085000 31050000


Admin 20,000 - 50,000 192,510 310,500
Gadai 565,000 320000 496,800 770,040 403,650
Total Biaya /bln 585,000 320,000 546,800 962,550 714,150
Total Biaya /thn 7,020,000 3,840,000 6,561,600 11,550,600 8,569,800

Asumsi harga beli


emas saat itu,
Contoh: Menggunakan Syariah Mandiri berbeda tiap waktu
10 gram
Emas ke Harga Gadai Titip setahun Dana tambahan Total dana yang dibutuhkan
1 3,450,000 2,932,500 918,000 4,368,000
2 3,500,000 2,975,000 918,000 525,000 1,443,000
3 3,600,000 3,060,000 918,000 540,000 1,458,000
4 3,550,000 3,017,500 918,000 532,500 1,450,500
Total dana yg
5 3,600,000 key 3,672,000 1,597,500 8,719,500
Rata2 harga beli dibutuhkan untuk
Rata2 Harga Beli 354,000 membeli 5 lm 10gr
Total biaya titip
setahun
Kenaikan harga emas 17%
Asumsi harga emas
Panen 414,180
waktu panen
Emas ke Harga Tebus Gadai Sisa Total
5 4,141,800 2,932,500 1,209,300 1,209,300
4 4,141,800 2,975,000 1,166,800 2,376,100
3 4,141,800 3,060,000 1,081,800 3,457,900
2 4,141,800 3,017,500 1,124,300 4,582,200
1 4,141,800

Total hasil 8,724,000 Total hasil panen


Selisih 4,500

Gain/Keuntungan 0.1% Persentase Gain