Kontribusi Tabungan Emas Pegadaian Syariah terhadap Ketahanan Finansial Masyarakat dalam Perspektif Ekonomi Syariah

Adibah Badzlina, Sirajul Arifin

Abstract


This research aims to examine the contribution of gold savings in strengthening the financial resilience of society from an Islamic economic perspective. Pegadaian Syariah's gold product is an Islamic financial innovation that provides access to gold investment with small denominations, using the murabahah contract for buying and selling transactions and the wadiah contract for safekeeping mechanisms. The method used is a literature study, examining reputable journals, proceedings, official reports, DSN-MUI fatwas, and Sharia Pawnshop publications. The study results indicate that gold savings serve as a safe, transparent, and halal investment instrument, and are effective as a hedge against inflation and global economic factors. Recent gold price data showing a consistent upward trend strengthens gold's role as a safe haven. From a Sharia economic perspective, gold savings reflect the value of the maqashid al-syariah, particularly hifz al-mal (protection of wealth), while also supporting Sharia financial literacy and inclusion. Compared to other Sharia instruments, gold savings are simpler, more inclusive, and easier for the general public to understand. Thus, Pegadaian Syariah's gold savings can be positioned as an important pillar in building the financial resilience of the community based on Sharia principles

Keywords


Financial Resilience, Gold Savings, Halal Investment, Islamic Economics, Islamic Pawnshop

Full Text:

PDF (Indonesian)

References


Aminah, L. (2023). Peran Literasi Keuangan Syariah terhadap Ketahanan Keuangan Rumah Tangga. Ekonomi Syariah Indonesia, 7 (3).

Atikah, L., Fitriyah, A., Faikotul, A., & Mah, N. ’. (2024). Akad Murabahah dan Akad Wadiah pada Produk Tabungan Emas Pegadaian Syariah. Journal of Islamic Economy and Community Engagement, 5(1), 2809–5685. https://doi.org/10.14421/jiecem.2023.4.2.19232

Hidayat, M., & Anshari, M. (2024). Ketahanan Keuangan Islam pada Masa Inflasi. Studi Ekonomi Islam.

IDB. (2022). Laporan Pengembangan Keuangan Islam.

KNEKS. (2024). Outlook Ekonomi Syariah Indonesia 2024.

Komite Nasional Ekonomi dan Keuangan Syariah. Ikatan Ahli Ekonomi Islam Indonesia

(KNEKS, I. ). (2024). Kajian Penguatan Sektor Keuangan Syariah 2024. Direktorat Jasa Keuangan Syariah Manajemen Eksekutif Komite Nasional Ekonomi dan Keuangan Syariah.

Nudia, A. D. (2022). Emas Sebagai Instrumen Jangka Panjang. Shar-E: Jurnal Kajian Ekonomi Hukum Syariah, 8(1), 177–187.

Nurhaliza, T. (2023). Investasi Berbasis Emas untuk Inklusi Keuangan Islam. Manajemen Keuangan Islam, 5(1).

OJK. (2025). Laporan Perkembangan Keuangan Syariah Nasional 2025.

Othman, A. (2024). Maqasid Syariah dalam Inovasi Keuangan Islam. 14(2)(Tinjauan Ekonomi Islam).

Pegadaian Syariah. (2025). Produk Pegadaian Syariah. Pegadaian Syariah.

Pratiwi, C. S., & Awaluddin, S. P. (2024). Peran Emas dalam Melindungi Aset Kekayaan dari Inflasi dan Penurunan Nilai Rupiah. 3, 13–22.

https://doi.org/https://doi.org/10.56858/jsmn.v3i1.255

Rahma, S. (2022). Persepsi Nasabah terhadap Tabungan Emas Syariah di Era Digital. AlMuzara’ah, 10(2).

Verawati, H. (2024). Analisis Hukum Islam Terhadap Implementasi Investasi Emas Syariah. Sosial Dan Humaniora, 3(6), 945–965.

World Gold Council. (2024). High gold price reflects strong demand. World Gold Council. https://www.gold.org/goldhub/research/gold-demand-trends/golddemand-trends-full-year-2023

Yusoff, R. (2025). Emas sebagai Aset Lindung Nilai yang Sesuai Syariah di Pasar yang Volatil. Internasional Keuangan Islam.

Zaenal Asikin, M. (2024). Peran Emas sebagai Lindung Nilai terhadap Ketidakpastian Pasar Keuangan Global. Hawalah: Kajian Ilmu Ekonomi Syariah, 3(3), 123–133.

https://doi.org/10.57096/hawalah.v3i3.54




DOI: http://dx.doi.org/10.30821/se.v0i2.26448

Refbacks

  • There are currently no refbacks.


 
Studia Economica: Jurnal Ekonomi Islam by Fakultas Ekonomi dan Bisnis Islam is licensed under Creative Commons Attribution-NonCommercial 4.0 International License
Based on a work at http://jurnal.uinsu.ac.id/index.php/studiaeconomica/