Analysis of Factors Affecting Customer Eligibility in Accepting Funding for Arrum BPKB Products

Indonesian people are not so foreign when they hear the word sharia pawnshop, especially if that person cannot borrow at conventional banks. Sharia pawnshop is a non-bank institution in which there are two parts, namely pawn and non-pawn, in pawn there is rahn while non-pawn there are several products, one of which is Arrum BPKB, where in this BPKB Arrum product, sharia pawnshops provide financing to MSME actors to increase income. The purpose of this research is to find out what are the factors that affect the feasibility of customers in receiving this Arrum BPKB financing. The research uses a qualitative research method in which the authors collect data through interviews and field observations in order to find out the maximum results. In this study, the eligibility factors for customers are micro entrepreneurs or MSME actors, have a motorized vehicle, the results of Bank Indonesia checking from each customer are at worst D3, the character of the customer and the size of the business are also determining factors