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All Journal Kosmik Hukum Journal of Management, Economic, and Financial
Izzatul Muna
Istanbul Sabahattin Zaim University, Turkey
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Non-Performing Financing (NPF) at Islamic Pawnshop of Indonesia: A Systematic Literature Review Izzatul Muna; Yusuf DINC
Journal of Management Economic and Financial Vol. 4 No. 2 (2026): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jmef.v4i3.194

Abstract

Islamic pawnshops in Indonesia play an important role in providing pawn-based financing alternatives that are in accordance with sharia principles. Despite rapid development, the sector faces serious challenges in managing Non-Performing Financing (NPF). High NPF indicates gaps in the implementation of sharia principles and can threaten the financial stability of institutions. This research aims to identify the factors influencing NPF at Pegadaian Syariah and provide recommendations for improving financing management. Some factors that influence NPF include risk management, inappropriate selection of contract types, and low customer understanding of Islamic contracts. Additionally, macroeconomic factors such as the impact of the Covid-19 pandemic have further worsened this situation. To address this issue, there needs to be an increase in Islamic financial literacy, a strengthening of the customer selection system, and better application of information technology to monitor problematic financing. The findings of this research are expected to help Pegadaian Syariah reduce NPF and maintain its financial health.
Dispute Resolution of Sharia Cooperative Business Financing through Local Institutions of the Sasak Tribe Community Nasri Nasri; Jaih Mubarok; M. Muslich KS; Izzatul Muna; Syaryanti Hussin
Kosmik Hukum Vol. 25 No. 3 (2025)
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/kosmikhukum.v25i3.26099

Abstract

The growth and development of sharia cooperatives in West Nusa Tenggara, particularly on Lombok Island, have shown steady progress in recent years. This condition has had a positive impact, notably by expanding access to microfinance for local communities. However, business dynamics do not always unfold as expected. While some cooperative members are able to fulfill their obligations on time, others may delay or even fail to meet their responsibilities, potentially leading to disputes. When such disputes arise, they must not be ignored efforts to resolve them are essential. In the literature, two models of dispute resolution are commonly recognized: litigation and non-litigation. This study focuses on two main issues: first, the urgency of resolving sharia cooperative business financing disputes through local institutions of the Sasak tribe; and second, the prospects of utilizing these local institutions for such dispute resolution. This research employs a normative-empirical method with a socio-legal approach. The findings indicate that the involvement of Sasak tribal institutions in dispute resolution is highly urgent. This is reinforced by the convergence between the principles of sharia cooperatives and those upheld by local dispute resolution mechanisms. Furthermore, the prospects for resolving sharia cooperative financing disputes through local institutions are promising, supported by a legal framework that recognizes and legitimizes the role of these institutions at the local government level. To effectively implement dispute resolution through local institutions, there is a need to strengthen the human resources involved—particularly those with knowledge of sharia economics and cooperative management—among both cooperative administrators and traditional leaders. This research is expected to contribute as a reference for business practitioners in addressing disputes between cooperatives and their members.
Co-Authors Jaih Mubarok M. Muslich KS Nasri Nasri Syaryanti Hussin Yusuf DINC