Pelaksanaan gadai emas setelah dikeluarkannya surat edaran Bank Indonesia no. 14/7/DPBS mengenai produk Qardh beragun emas bagi bank syariah dan unit usaha syariah : studi kasus di BNI Syariah cabang Bogor = The implementation of gold pawning after the circular letter of Bank Indonesia no. 14/7/DPBS issued in regard to Qardh product with gold collateral for sharia banks and sharia based business units : case study at BNI Syariah branch office Bogor