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All Journal Jurnal Ilmiah Ekonomi Islam PPSDP International Journal of Education
Awaludin, Ade Wahyu
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Antecedents and Consequences of Islamic Pawnshops: Literature Study Shaddiq, Syahrial; Silvia, Siska; Dalem, Aria Santri; Awaludin, Ade Wahyu; Indrawan, Iin
PPSDP International Journal of Education Vol. 4 No. 1 (2025): PPSDP International Journal of Education
Publisher : Perkumpulan Program Studi Doktor Pendidikan (PPSDP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59175/pijed.v4i1.394

Abstract

Sharia pawnshops have become one of the Islamic financial instruments that contribute significantly to providing financing solutions in accordance with sharia principles. The antecedents of the success of sharia pawnshops include the level of Islamic financial literacy, public trust in sharia services, and sharia-based product innovations that are relevant to customer needs. This study aims to analyze the antecedents and consequences of sharia pawnshops through literature studies. This study was conducted through literature analysis from various academic and practical sources to identify the main factors that influence the success of sharia pawnshops and the positive impacts they generate. The results of the analysis show that the main antecedents of the success of sharia pawnshops include the level of Islamic financial literacy, public trust, and sharia-based product innovations. This study can be concluded that sharia pawnshops have a strategic role in supporting financial inclusion and sharia-based economic empowerment.
A Analisis Kolaborasi Perbankan Syariah dan Masjid Melalui Pendekatan Nudge Theory: Perspektif Jamaah Masjid di Kabupaten Purwakarta Awaludin, Ade Wahyu; Widana, Gusti Oka
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 2 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i2.19528

Abstract

This study aims to analyze the determinants of Islamic financial inclusion within mosque-based communities by integrating Islamic financial literacy, religiosity, nudge, and mosque–bank collaboration. A quantitative cross-sectional approach was employed using data from 120 respondents in Purwakarta Regency. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that Islamic financial literacy has a positive and significant effect on Islamic financial inclusion and serves as the primary determinant in the model. Nudge also has a significant positive effect on inclusion, functioning as a complementary behavioral mechanism rather than a moderating variable. In contrast, religiosity does not have a significant direct effect on inclusion, indicating the presence of an attitude–behavior gap. Furthermore, religiosity negatively affects nudge, while collaboration does not significantly influence inclusion and shows a relatively small effect size. A notable finding is the negative moderating effect of mosque–bank collaboration on the relationship between religiosity and inclusion. This study contributes to the Islamic behavioral finance literature by highlighting the importance of integrating cognitive, behavioral, and institutional factors in promoting community-based Islamic financial inclusion.
Co-Authors Dalem, Aria Santri Indrawan, Iin Silvia, Siska Syahrial Shaddiq Widana, Gusti Oka