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Rosnani Siregar
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Arts Humanities Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Physics Social Sciences Other

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Perceptions of the Community in Partihaman Saroha Village Padangsidimpuan Hutaimbaru Subdistrict Regarding Sharia Pawnshop Ida Yanti Angraini Harahap; Rosnani Siregar; M. Yarham
Indonesian Journal of Sharia and Islamic Sciences Vol. 1 No. 3 (2026): : September: Safīnah: Indonesian Journal of Sharia and Islamic Sciences
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

Community members in Partihaman Saroha Village, Padangsidimpuan Hutaimbaru Subdistrict, generally recognize Sharia Pawnshops, yet actual use remains limited because product knowledge, procedural understanding, and service familiarity are uneven. This study aimed to analyze community perceptions of Sharia Pawnshops, including awareness, product understanding, perceived usefulness, interest, Sharia considerations, service experience, and future intention. A descriptive qualitative field research design was employed through observation, structured interviews, and documentation involving 20 community members from varied occupational backgrounds. The findings show that 17 informants knew of Sharia Pawnshops, but only 7 understood the available products. Twelve informants considered the institution helpful for urgent financial needs, 11 expressed interest in using its services, and 15 believed that Sharia Pawnshops do not operate through riba. Actual utilization was much lower, as only 3 informants had used the services, while 17 had never done so. The three users reported positive experiences concerning speed, manageable procedures, and Sharia-compliant mechanisms, and all intended to reuse the services. The study concludes that positive perception does not automatically translate into utilization because limited product literacy and insufficient direct socialization remain significant barriers. Stronger outreach and product education are required to improve informed community engagement with accessible Sharia-based pawnshop services in practice.
Co-Authors Abdul Nasser Hasibuan Akmal Chairun Anwar Hasugian Alfi Zikri Husain Damri Batubara Dina Chairunnisa Dwi Andina Harahap Hamdatun Hakimah Ida Yanti Angraini Harahap Indah Aminah Putri Juli Anda Mora Rangkuti Lilia Afriani M Yarham Mara Husin Lubis Mhd. Khalis Pasaribu Muhammad Idris Rangkuti Nando Farizal Nur Amanah Bunda Nur Cahaya Siregar Purnama Hidayah Harahap Rahmat Ari Nauli Rizal Ma'ruf Amidy Siregar Sa’adilah Mursyid S. Saragih Taufik Kurahman