<![CDATA[ABSTRAKRegulasi usaha pergadaian berkembang seiring dengan perkembangan kebutuhan alternatif pembiayaan, khususnya bagi masyarakat menengah ke bawah, serta pelaku usaha mikro, kecil dan menengah. Berlakunya Peraturan Otoritas Jasa Keuangan Nomor: 31/POJK.05/2016 tentang Usaha Pergadaian menjadi landasan hukum pengembangan layanan jasa usaha pergadaian dan membuka kesempatan bagi usaha pergadaian swasta. POJK ini bertujuan meningkatkan inklusi keuangan bagi masyarakat menengah ke bawah serta kemudahan akses terhadap pinjaman bagi masyarakat menengah ke bawah dan usaha mikro, kecil dan menengah. PT Pegadaian (Persero) akan mengembangkan layanan usahanya dengan menggagas gadai sertifikat tanah untuk memberikan akses pada petani mendapatkan akses pembiayaan modal kerja yang murah. Penelitian bersifat deskriptif analitis dengan menggunakan pendekatan yuridis normatif. Data yang digunakan adalah data sekunder dan diperoleh melalui penelitian kepustakaan, baik berupa bahan hukum primer, sekunder, dan tersier. Data sekunder dianalisis secara yuridis kualitatif. Hasil penelitian menunjukkan perkembangan regulasi pergadaian bertujuan menyediakan akses pembiayaan untuk menciptakan iklusi keuangan dengan memperhatikan perlindungan hukum bagi masyarakat. Perluasan objek gadai melalui gadai sertfikat tanah hanya dapat dilakukan berdasarkan prinsip syariah melalui akad rahn tasjily. Diperlukan dukungan hukum, khususnya kedudukan surat kuasa dalam eksekusi gadai sertifikat tanah.Kata kunci: gadai sertifkat tanah; usaha pergadaian; perkembangan regulasi ABSTRACTThe development of regulation of the pawn business are developing with alternative financing needs, especially for the lower middle class, as well as the micro, small and medium enterprises. The issuance of POJK Number: 31/POJK.05/2016 regarding Pawnshop Business which will become the legal basis for development of the business services of pawnshops and opens opportunities for private pawn business. The POJK aims to improve financial inclusion for lower to middle-income class and the ease of access to loans for the lower and middle-income class also for micro, small and medium enterprises. PT Pegadaian (Persero) develops its business services by pawning land certificates to give farmers access to cheap working capital. This Research was conducted by using the normative juridical method with an analytical descriptive approach. The data used are secondary data obtained through library research, whether in the form of primary legal materials, secondary, and tertiary. Secondary data are analyzed by qualitative juridical. The results show the development of regulation of pawnshop aims to provide access to finance to create financial inclusion with due attention to legal protection for the community. The extension of pawning objects through the pledge of land certificates can only be done based on sharia principles through the rahn tasjily agreement. Legal support is required, especially the position of power of attorney in the execution of land certificate pledge.Keywords: pledge of land certificate, pawn business, regulatory development DOI: https://doi.org/10.23920/jbmh.v2n1.7]]>
