The problem in this research is how the contract Execution gold mortgage bank in BRI Syariah Padang. The objectives to be achieved in this research is to identify and analyze the implementation of the agreement pawning gold in BRI Syariah Padang. The method used in this study patterned Field Re­search with qualitative research. While the source of the data in this study were employees and customers of BRI Syariah. Data collection procedures that researchers do, observation, interviews, and documentation. The num­ber of informants in this study was done by using Snowball Sampling (Snow­ball), the meaning is very dependent on the completeness of the data ob­tained in accordance with the purpose of the research is expected. The re­sults of this study, BRI Syariah Padang continuously improve its perfor­mance based on Sharia Board Fatwa No.25 / DSN-MUI / III / 2002 and the National Sharia Board fatwa MUI No. 26 / DSN-MUI / III / 2002 on gold pawn, allowed gold mortgage based on the principle of rahn. It is evident that the product pawning gold in BRI Syariah Padang increasingly accepted and people interested in the city of Padang.

The capital market is one indicator of a countrys economic progress. The existence of the Indonesian capital market began the establishment has undergone several ups and downs that can be seen from the JCI indicators fluctuated. It is as a result of globalization and economic integration that lead to the performance of the capital markets is highly dependent on the performance of the national economy, regional, and international. The greater role of local investors are needed to encourage the Indonesian capital market to make it more resistant to a variety of crises and shocks. The population of the Indonesian middle class that has grown relatively large, an opportunity that can be exploited to encourage them to engage inactive invest in capital markets. Meanwhile, some of the challenges in the development of capital markets must also be addressed among others, the limited types of securities traded, the rules for the protection of the rights of investors, the "game" in a stock transaction and is still a lack of public knowledge of the capital markets.

Historically the economy of early Islam is far more developed than conven­tional economics. One of the important theory of Islamic and capitalism eco­nomics is related to consumption. In Islamic economics should consumed in order to find Ridha Allah SWT. A conviction and systems that can save the world from the greed of man as homo economicus. However, the rapid eco­nomic progress and the widespread network of conventional capitalism, con­sumption theory of Islam into the unknown in the academic world, especially in everyday life. However, the same progressiveness could bring the world in the unrecoverable and uncontrollable progressiveness. Progressive-power that inherent in the global capitalism has the tendency to lead the world into undetermined, injustice and hegemonic situation. This paper would discover this human’s live.

The object of research is PT. Indonesia Stock Exchange Representative Office Padang. The data collection technique using semi structured interviews and analysis of document and material as well as questionnaires given to three employees of the Head Office, Staff Trainer and Administrative Staff. The object of research is PT. Indonesia Stock Exchange Representative Office Padang. Strategy formulation using matrix EFE, IFE, SWOT, IE, and QSPM. Acquisition of strategic alternatives is obtained from the SWOT matrix and Matrix IE, to choose the best strategy with Quantitative Strategic Planning Matrix. Based on the analysis IFE and EFE matrix, it is known that the main strength of PT. Indonesia Stock Exchange Representative Office of Padang is the number of educational programs have to offer while its main drawback is the lack of promotional activity for advertising in print or digital. The main opportunities for PT. Indonesia Stock Exchange Representative Office of Padang is the huge barriers to entry of new entrants, while the major threats facing is the lack of human resources in the area, the majority of the best people prefer to wander. IE matrix shows that PT. Indonesia Stock Exchange Representative Office of Padang is in quadrant 1 (one) which is to be on growing conditions and build. Based on the obtained QSPM alternative appropriate marketing strategies in this study is the product development strategy.

Companies need to develop an appropriate strategy in order to maintain its presence and improve its performance. One attempt to become a large company and strong is to implement the strategy of acquisitions and restructuring. The advent of the era of free-market impact on the companys business competition is getting tighter. This condition spur businesses to be concerned about the strategy pursued. Even companies continue to attempt to formulate and refine their business strategies in order to win the competition. Acquisition strategy as the dominant means used by companies to develop strategies for diversification and at the time of acquisition contributed to the poor performance, the company may consider the necessity of restructuring operations. With the acquisition and restructuring strategies that run the company is expected to stabilize the companys business so as to reduce the risk of the company.

The banking sector has a strategic role to support national development that lead to an increase in the distribution of development and its results. Various problems still constrain the development of Islamic financial institutions in Indonesia, including regulatory issues, management, and SDI. Of the overall Islamic banking existing SDI, SDI 90% of its currently do not have the educational background of sharia economy. Educational background sharia only 10% SDI islamic background. The purpose of this study was conducted to elucidate the pattern of recruitment of employees in Islamic banks. Then, uncovering the factors that causes a lack of SDI berlatang behind sharia recruited into a sharia bank employees. Then, formulate strategic steps College of Islamic Religion to improve the competence of its graduates to be ready to compete in the world of work. Employee recruitment process in Islamic banks through several stages namely, administrative Selection, Test first round of interviews, a written test, Physicotest, the second stage interview, Test health.

The study was conducted in West Sumatra with the object is shariah and conventional banking industry. Study the problems of shariah banking service quality comparison with a conventional one. This study aims to: (1) See if there are significant differences between the quality of service Islamic bank with conventional banks. (2) To see if there are significant differences between customer satisfaction Islamic bank with conventional banks. (3) To see if there are significant differences between customer loyalty Islamic banks with conventional banks. The research sample of 500 people. Data collection techniques used are Personally Administered Questionnaire. Using analysis of Independent Sample T-test. The study found no difference between the quality of services of conventional banks with shariah banks, but to the difference was not significant. The study also found no difference bet­ween conventional bank customer satisfaction with shariah banks, but to the difference was not significant. In addition the study also found no difference between conventional bank customers loyalty to the shariah bank, but to the difference was not significant.

This study uses data from the survey IFLS-4 (Indonesia Family Live Surveys-wave 4) to analyze the impact of competition between lenders on cli­ent behaviour. IFLS-4 contains data on self-reported habits of community residents (312 community) decision to access to Islamic Micro Finance Institu­tion (Islamic MFI), named Baitul Maal wat Tamwil (BMT). This data con­tains specific type of BMT’s location which could be accessed by community, with variously geographical distances. This data also is enriched by the presence of another type of conventional MFI. This study found that in­creased competition suggesting clients to change their behaviour. The pres­ence of conventional MFI and theirs proximity as indicator of competition, very instrumental in determining access to BMT. Interesting finding, for religious type borrowers, they tend to sustain their access to BMT whose more far geographical distance, even conventional MFI presence inside their vil­lage. Thus, this study suggests that the expansion of financial inclusion stra­tegy of Islamic MFI should also be specifically determined by behaviour of and the BMT’s location among the community.