The Challenges of Sharia Pawnshops in Indonesia in The Era of The Industrial Revolution 4.0

Nicho Hadi Wijaya

Abstract


ABSTRACT

The development of the Islamic financial system in Indonesia is marked by the establishment of various Islamic financial institutions and the issuance of various sharia-based financial instruments. Essentially, Islamic financial institutions are different from conventional financial institutions, in terms of mechanisms, objectives, powers, scope, and responsibilities. The provisions and discourses contained in classical fiqh on Rahn are then adapted to modern economic developments and synergized with the needs of today's society. With the majority of the Muslim population, it is not difficult for Sharia Pawnshops in Indonesia to develop their business. Sharia pawnshops are expected to be able to conduct campaigns to the public about the use of sharia-based products. However, there are still various problems in developing sharia pawnshops in Indonesia. And, an analysis needs to conduct to uncover obstacles and find solutions in an effort to develop sharia pawnshops. The type of the research was normative legal research using a qualitative descriptive approach. The study indicates that Sharia Pawnshops are one of the financial institutions that provide effective alternative funding for the community. The growth of pawnshop profits which continues to grow in the era of the industrial revolution 4.0 and during the Covid-19 pandemic is one indicator of the success of sharia pawnshop management. In addition, sharia pawnshops can prove that they can prioritize Islamic moral values during the rapid development of financial institutions in Indonesia. However, from all of this, there are problems that need to be evaluated to improve the performance of sharia pawnshops in the future.

Keywords: Sharia Pawnshops; Pawn Products; and The Industrial Revolution 4.0;

ABSTRAK

Berkembangnya sistem keuangan syariah di Indonesia ditandai dengan didirikannya berbagai lembaga keuangan syariah dan diterbitkannya berbagai instrumen keuangan berbasis syariah. Secara esensial, lembaga keuangan syariah berbeda dengan lembaga keuangan konvensional, baik dalam mekanisme, tujuan, kekuasaan, ruang lingkup, serta tanggungjawabnya.  Ketentuan  dan  wacana-wacana  yang  terdapat dalam fikih klasik tentang rahn kemudian disesuaikan dengan perkembangan perekonomian modern dan disinergikan dengan kebutuhan masyarakat saat ini. Dengan mayoritas penduduk muslim, tidak sulit bagi Pegadaian Syariah di Indonesia untuk mengembangkan bisnisnya. Pegadaian syariah diharapkan mampu melakukan kampanye kepada masyarakat tentang penggunaan produk-produk berbasis syariah. Namun tetap terdapat berbagai problematika dalam mengembangkan pegadaian syariah di Indonesia, untuk mengungkap kendala dan mencari solusi sebagai upaya perkembangan pegadaian syariah, perlu dilakukan sebuah analisis.  Jenis penelitian ini adalah penelitian hukum normatif dengan menggunakan pendekatan deskriptif kualitatif. Hasil penelitian ini menujukkan bahwa Pegadaian Syariah sebagai salah satu lembaga keuangan yang memberikan alternatif pendanaan yang efektif bagi masyarakat. Pertumbuhan laba pegadaian yang terus tumbuh di era revolusi industri 4.0 dan di masa pandemi Covid-19 menjadi salah satu indikator keberhasilan pengelolaan pegadaian syariah. Selain itu, pegadaian syariah mampu membuktikan bahwa mereka mampu mengedepankan nilai-nilai moral Islam di tengah pesatnya perkembangan lembaga keuangan di Indonesia. Namun dari semua hal tersebut, masih terdapat permasalahan yang akan terus dievaluasi guna meningkatkan kinerja pegadaian syariah di masa yang akan datang.

Kata Kunci: Pegadaian Syariah; Produk Pegadaian; dan Revolusi Industri 4.0;


Full Text:

PDF

Article Metrics

Abstract view : 77 times | PDF view : 56 times

DOI: https://doi.org/10.23971/elma.v12i1.3910

Article Metrics

Abstract view : 77 times
PDF - 56 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Nicho Hadi Wijaya

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

El-Mashlahah is published by Fakultas Syariah IAIN Palangka Raya in collaboration with the Asosiasi Dosen Hukum Keluarga Islam (ADHKIIndonesia  [MoU manuscript].

Editor and Administration Address:

Building A, Fakultas Syariah IAIN Palangka Raya, Jl. G. Obos, Islamic Centre, Palangka Raya, Kalimantan Tengah, Indonesia, Postal Code 73112

email: maslahah@iain-palangkaraya.ac.id

This work is licensed under a  Creative Commons Attribution-ShareAlike 4.0 International License