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All Journal Nuris Journal of Education and Islamic Studies
Hammam Hammam
Universitas Trunodjoyo Madura

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The Impact of Sharia Pawnshop Digitalization (TRING by Pegadaian): The Perspective of Maqashid al-Syari'ah : Case Study at the Sharia Pawnshop in Kamal District, Bangkalan Regency Jamilatus Saadah; Hammam Hammam; Mohd Huefiros Efizi bin Husain; Farid Ardyansyah
Nuris Journal of Education and Islamic Studies Vol. 6 No. 1: January - June 2026
Publisher : Institut Nurul Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jeis.v6i1.257

Abstract

Digital transformation has become a key strategy in the development of Islamic financial institutions, including Pegadaian Syariah. Digitalization not only aims to improve service efficiency but is also expected to strengthen the implementation of maqashid al-syari'ah values oriented towards the benefit of society. This study aims to analyze the effectiveness of maslahat practices in the digitalization of Pegadaian Syari'ah using a qualitative approach. Data were obtained through interviews and observation of digital services. The results show that digitization improves service efficiency and transaction accessibility, but there are still gaps in digital sharia literacy and understanding of electronic contracts. These findings indicate that digital transformation requires education on sharia values so that digitization is not only oriented towards technological efficiency but also towards the realization of the objectives of maqashid al-syari'ah.
The Role of Community Leaders in Madurese People's Decisions in Using Sharia Pawnshop Services Zeinaful Madmudi; Hammam Hammam; Muhammad Najib Bin Abdurrahim; Khoirun Nasik
Nuris Journal of Education and Islamic Studies Vol. 6 No. 2: July - December 2026
Publisher : Institut Nurul Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jeis.v6i2.258

Abstract

Peran para pemimpin komunitas dalam meningkatkan literasi keuangan Islam secara signifikan memengaruhi keputusan masyarakat Madura dalam memilih layanan Pegadaian Syariah sebagai pilihan pembiayaan alternatif. Studi ini mengeksplorasi bagaimana para pemimpin komunitas secara efektif mengkomunikasikan prinsip-prinsip Syariah dan manfaat keuangan dalam konteks budaya mereka. Pendekatan kualitatif digunakan melalui wawancara dan observasi yang melibatkan para pemimpin komunitas, pelaku ekonomi, dan pengguna Pegadaian Syariah untuk memahami persepsi, motivasi, dan pengaruh sosial-budaya terhadap pengambilan keputusan keuangan. Temuan menunjukkan bahwa para pemimpin komunitas memperkuat pemahaman tentang prinsip-prinsip keuangan Islam, mengurangi ketergantungan pada praktik keuangan konvensional, dan mendorong penggunaan layanan Pegadaian Syariah. Interaksi nilai-nilai agama, norma-norma sosial, dan informasi yang disebarkan oleh para pemimpin komunitas berkontribusi pada perubahan persepsi dan keputusan keuangan di kalangan masyarakat Madura. Hasil ini memberikan wawasan praktis untuk mengembangkan strategi pendidikan keuangan Islam yang responsif secara budaya guna memperluas inklusi keuangan Syariah di wilayah tersebut.
Co-Authors Farid Ardyansyah Jamilatus Saadah Khoirun Nasik Mohd Huefiros Efizi bin Husain Muhammad Najib Bin Abdurrahim Zeinaful Madmudi