Pegadaian Syariah di Tengah Digitalisasi: Peluang dan Tantangan
Abstract
As digitalization develops in Indonesia, Pegadaian Syariah is undergoing significant transformation. This study investigates the opportunities and challenges of Pegadaian Syariah in maintaining sharia principles and enhancing financial inclusion through digital innovation. Low digital literacy in the community, regulatory constraints, and competition with conventional financial institutions are the main challenges. These constraints limit the effectiveness of using services, such as the digital Pegadaian Syariah application, which is designed to make transactions easier. Digitalization, this opens up great opportunities, such as expanding services to remote areas, increasing operational efficiency, and supporting the empowerment of small and medium enterprises (MSMEs) through productive financing. Pegadaian Syariah can increase public trust and knowledge about sharia-based services by implementing cross-sector collaborative strategies and digital education. The descriptive method is used in this research to provide a comprehensive overview of how Pegadaian Syariah has been adapted to the current times. By optimally utilizing current technology, Pegadaian Syariah has the opportunity to become a pioneer in the digitalization of Islamic finance in Indonesia.
Keywords
Full Text:
PDFReferences
Al-Anshori, Fauzan, Salim Ahmad Suhul, Abdullah Azzam, and Rohmat Azzaid, ‘Investasi Emas Online Pada Aplikasi Marketplace Dalam Perspektif Islam Online Gold Investment in Marketplace Application in Islam Perspective’, Sekolah Tinggi Ilmu Ushuludin Darul Qur’an, 2023, 1–12
Entaresmen, R. ajeng, and Nuraini Chaniago, ‘Strategi Dan Prospek Pegadaian Syariah Bagi Peningkatan Ekonomi Usaha Mikro Kecil Menengah’, Media Ekonomi, 30.1 (2022), 57–70
Indriasari, Ika, ‘Gadai Syariah Di Indonesia’, BISNIS : Jurnal Bisnis Dan Manajemen Islam, 2.2 (2014), 61
Karnawijaya, Ning, and Siti Rokhaniyah, ‘Pegadaian Digital Service’, Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4.3 (2021), 708–25
Lamtana, Lamtana, and Vemmy Mayditri, ‘Penerapan Prinsip Syariah Pada Akad Rahn Di Lembaga Pegadaian Syariah’, Jurnal Pendidikan Dan Kewirausahaan, 10.2 (2022), 422–40
Lestari, Yuyun Juwita, and Iza Hanifuddin, ‘Jurnal Hukum Ekonomi Islam ( JHEI ) Dasar Hukum Pegadaian Syariah Dalam Fatwa DSN-MUI’, Jurnal Hukum Ekonomi Islam (JHEI), 5.2 (2021), 159
Mala, Iva Khoiril, ‘E-Government: Efektivitas Pelayanan Aplikasi Pegadaian Digital Service Syariah Di Pegadaian Cabang Malang’, Jurnal At-Tamwil: Kajian Ekonomi Syariah, 3.2 (2021), 154–66
Nurfalah, Irfan, and Aam Slamet Rusydiana, ‘DIGITALISASI KEUANGAN SYARIAH MENUJU KEUANGAN INKLUSIF : KERANGKA MAQASHID SYARIAH’, July, 2019
Ruhaniah, Nia, Hendri Tanjung, and Hilman Hakiem, ‘Pengaruh Promosi, Kualitas Pelayanan, Dan Implementasi Syariah Terhadap Minat Masyarakat Menggunakan Jasa Pegadaian Syariah’, El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5.1 (2021), 60–69
Setyaningrum, Rizky, and Siti Afidatul Khotijah, ‘Gorontalo THE ANALYSIS OF APPLICATION OF PEGADAIAN SYARIAH DIGITAL APPLICATION INFORMATION SYSTEM’, 3.2 (2020), 105–15
Siswoyo, Riztami Ramadhani, Supaino, and Rizal Agus, ‘Pengaruh Digitalisasi, Motivasi Dan Literasi Keuangan Syariah Terhadap Keputusan Berinvestasi Tabungan Emas Di Pegadaian’, Jurnal Keuangan Dan Perbankan Syariah, 2.1 (2022), 653–62
Ansori, A. (2020). Digitalisasi Ekonomi Syariah. ISLAMICONOMIC: Jurnal Ekonomi Islam, 7(1), 1–18. https://doi.org/10.32678/ijei.v7i1.33
Hestianah, S., Mafulla, D., & Fatmasari, D. I. (2021). Strategi Pelayanan Aplikasi Mobile Pegadaian Syariah Digital (Psd) Di Kantor Pegadaian Syariah. In Jurnal Manajemen (Vol. 1). Cetak. https://jurnal.stiedarulfalahmojokerto.ac.id/index.php/Jurnal-el-Idhara
Karnawijaya, N., & Rokhaniyah, S. (2021a). Pegadaian Digital Service. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(3), 708–725. https://doi.org/10.47467/alkharaj.v4i3.718
Karnawijaya, N., & Rokhaniyah, S. (2021b). Pegadaian Digital Service: Upaya Peningkatan Inklusi Keuangan Segmen Bisnis Syariah. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(3), 708–725. https://doi.org/10.47467/alkharaj.v4i3.718
Otoritas Jasa Keuangan. (2023). Statistik Perusahaan Pegadaian Januari 2023.
Ramdhan, M. (2021). Metode Penelitian .
Ripada, N. I. (2020). Analisis Keamanan Dan Risiko Investasi Emas Digital Terhadap Minat Investasi: Studi Pada Pegadaian Digital Service. http://ejournal.uika-bogor.ac.id/index.php/KASABA
Rizky, S. M., & Winario, M. (2024). Peran Pegadaian Syariah Terhadap Kesejahteraan Masyarakat. In Journal of Economic.
Rohyati, & Rokkhmah Uskytia, N. H. (2024). Tantangan dan Peluang Pasar Modal Indonesia dalam Meningkatkan Minat Investasi di Era Digital.
Safitri, N. D., & Wati, A. (2023). Analisis Perkembangan Pegadaian Syariah Di Indonesia. Muẚṣarah: Jurnal Kajian Islam Kontemporer, 5(1), 22–32. https://doi.org/10.18592/msr.v5i1.9375
Setyaningrum, R., & Khotijah, S. A. (2020). Analisis Penerapan Sistem Informasi Aplikasi Pegadaian Syariah Digital Dalam Memudahkan Nasabah Bertransaksi Menurut Syariah Islam. Gorontalo Accounting Journal, 3(2).
Waruwu, M. (2023). Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif dan Metode Penelitian Kombinasi (Mixed Method).
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 Firnanda Findiani, Nurul Fadilah, Fira Juni A, Fitri Nur Latifah
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
