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All Journal Islamic Banking and Finance
A. Ericha Dwi Wulandari
IAIN Bone
Economics, Econometrics & Finance

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Peran Pegadaian Syariah berbasis digitalisasi keuangan Islam dalam pemberdayaan ekonomi masyarakat: Studi pada UMKM di Kec. Tanete Riattang Barat Kab. Bone A. Ericha Dwi Wulandari; A. Ika Fahrika; Fitriani Arief
Islamic Banking and Finance Vol. 6 No. 2 (2026): Article in Press
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v6i2.6176

Abstract

The digital transformation in the Islamic financial sector opens opportunities for economic inclusion, yet MSME players in semi-urban areas like Tanete Riattang Barat District still face capital constraints alongside limited digital infrastructure and literacy. This study aims to empirically analyze the role of Islamic digital finance-based Sharia Pawnshops in the economic empowerment of MSME players in Tanete Riattang Barat District. The method employed is a qualitative approach with a case study design, utilizing in-depth interviews, observation, and documentation techniques. The results indicate that the Pegadaian Digital Syariah application plays a significant role in expanding capital access, reducing bureaucracy, and enhancing cost efficiency and business productivity through working capital and fixed asset investments. Nonetheless, its effectiveness is still hindered by low digital literacy among entrepreneurs, limited device specifications, and local internet network instability. In conclusion, the digital innovation of Sharia Pawnshops successfully stimulates business scale growth and MSME economic independence, with existing technical obstacles effectively mitigated through a humanistic service approach and the institution's ethical reputation.
Co-Authors A. Ika Fahrika Fitriani Arief