Electronic Theses and Dissertation

Bab v kesimpulan dan saran kesimpulan berdasarkan pembahasan mengenai akad qardh al-hasan, dapat disimpulkan bahwa akad ini merupakan bentuk pinjaman kebajikan dalam ekonomi syariah yang diberikan tanpa imbalan (non-profit), di mana peminjam hanya berkewajiban mengembalikan pokok pinjaman. akad ini memiliki landasan hukum yang kuat, baik dari al-qur’an, hadits, ijmak ulama, maupun fatwa dsn-mui, sehingga keberadaannya sah dan dianjurkan dalam islam sebagai bentuk tolong-menolong (ta’awun). penerapan akad qardh al-hasan di pt pegadaian syariah simpang mesra dilakukan secara sistematis melalui tahapan yang jelas, mulai dari kedatangan nasabah, penaksiran barang jaminan, penjelasan akad, hingga pencairan dana dan pelunasan. prosedur ini didukung oleh persyaratan yang sederhana serta pelayanan yang cepat, ramah, dan profesional. selain itu, penerapan akad qardh al-hasan terbukti memberikan dampak positif terhadap efektivitas pelayanan, seperti mempermudah proses pengajuan, mempercepat pencairan dana, meningkatkan kepuasan nasabah, serta menumbuhkan kepercayaan masyarakat terhadap lembaga keuangan syariah. dengan demikian, akad qardh al-hasan tidak hanya berfungsi sebagai solusi pembiayaan, tetapi juga sebagai sarana peningkatan kesejahteraan sosial. 39 40 saran 1. peningkatan sosialisasi pt pegadaian syariah simpang mesra diharapkan dapat lebih aktif melakukan sosialisasi kepada masyarakat mengenai akad qardh al-hasan agar pemahaman masyarakat terhadap produk pembiayaan syariah semakin meningkat. 2. peningkatan kualitas pelayanan meskipun pelayanan sudah tergolong baik, peningkatan kualitas sumber daya manusia tetap diperlukan, terutama dalam hal komunikasi dan edukasi kepada nasabah. 3. inovasi layanan digital pegadaian syariah disarankan untuk mengembangkan layanan berbasis digital guna mempermudah akses masyarakat dalam mengajukan pembiayaan tanpa harus datang langsung ke kantor. 4. transparansi biaya pihak pegadaian perlu terus menjaga transparansi terkait biaya administrasi agar nasabah semakin percaya dan tidak terjadi kesalahpahaman. 5. penguatan prinsip syariah dalam setiap pelaksanaan akad, penting untuk terus memastikan bahwa seluruh prosedur tetap sesuai dengan prinsip syariah agar kepercayaan masyarakat tetap terjaga.

CHAPTER V CONCLUSIONS AND RECOMMENDATIONS Conclusions Based on the discussion of the *Qardh al-Hasan* contract, it can be concluded that this contract is a form of benevolent loan in Islamic economics provided on a non-profit basis, in which the borrower is only required to repay the principal amount of the loan. The *Qardh al-Hasan* contract has a strong legal foundation derived from the Qur'an, Hadith, scholarly consensus (*ijma'*), and the fatwas of the National Sharia Council–Indonesian Ulema Council (DSN-MUI). Therefore, its implementation is considered valid and highly encouraged in Islam as a form of mutual assistance (*ta'awun*). The implementation of the *Qardh al-Hasan* contract at PT Pegadaian Syariah Simpang Mesra is carried out systematically through well-defined stages, beginning with the customer's arrival, collateral appraisal, explanation of the contract, fund disbursement, and ending with loan repayment. This process is supported by simple requirements and services that are fast, friendly, and professional. Furthermore, the implementation of the *Qardh al-Hasan* contract has proven to have a positive impact on service effectiveness by simplifying the financing application process, accelerating fund disbursement, increasing customer satisfaction, and strengthening public trust in Islamic financial institutions. Therefore, the *Qardh al-Hasan* contract serves not only as a financing solution but also as a means of promoting social welfare. Recommendations 1. Enhancing Public Awareness PT Pegadaian Syariah Simpang Mesra is encouraged to conduct more intensive public outreach programs regarding the *Qardh al-Hasan* contract in order to improve public understanding of Sharia financing products. 2. Improving Service Quality Although the quality of service is already considered satisfactory, continuous improvement of human resources is still necessary, particularly in terms of communication skills and customer education. 3. Developing Digital Services Pegadaian Syariah is encouraged to further develop digital-based services to make it easier for customers to apply for financing without having to visit the branch office in person. 4. Maintaining Cost Transparency Pegadaian Syariah should continue to maintain transparency regarding administrative fees to strengthen customer trust and prevent misunderstandings. 5. Strengthening Sharia Compliance In every implementation of the contract, it is essential to ensure that all procedures consistently comply with Sharia principles in order to maintain public confidence in Islamic financial institutions.