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All Journal JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi
leste, fauziyah mutiara
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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Peran Pegadaian Syariah Dalam Inklusi Keuangan Masyarakat Indonesia: Studi Literatur Tentang Aksesibilitas Layanan Pembiayaan Berbasis Gadai leste, fauziyah mutiara; Fuadi, Fatih; Iqbal, Muhammad
JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Vol 24 No 4 (2025): Desember 2025
Publisher : LP2M STAI Miftahul 'Ula (STAIM) Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29138/lentera.v24i4.1884

Abstract

This study examines the strategic role of Islamic Pawnshops in expanding financial inclusion for Indonesian society through pawn-based financing services. The research employs a qualitative approach with literature study analyzing various sources including scientific journal articles, research reports, and official financial institution publications from 2021-2025. Thematic content analysis was applied to identify patterns, relationships, and main themes related to Islamic pawn service accessibility. Research findings indicate that Islamic Pawnshops contribute significantly to improving financial service accessibility for underserved segments of society, particularly low-income groups and micro, small, and medium enterprise actors. Implementation of rahn contract principles emphasizing justice and transparency without usury elements becomes the main advantage in attracting people who have preferences for Islamic financial products. Digital transformation through online service platform innovation and Gold Bank products has expanded geographical reach and increased operational efficiency. However, challenges such as low digital literacy and limited technology infrastructure remain obstacles that need to be addressed. This research recommends strengthening Islamic financial education programs, developing transparent marketing strategies, and inter-institutional collaboration to optimize the role of Islamic Pawnshops in realizing an inclusive and equitable financial system in Indonesia.
Co-Authors Fuadi, Fatih Muhammad Iqbal