Peran Pegadaian Syariah berbasis digitalisasi keuangan Islam dalam pemberdayaan ekonomi masyarakat

Studi pada UMKM di Kec. Tanete Riattang Barat Kab. Bone

Authors

DOI:

https://doi.org/10.30863/ibf.v6i2.6176

Keywords:

Digital Finance, Economic Empowerment, Islamic Pawning, MSME

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.

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Published

2026-10-02

How to Cite

Wulandari, A. E. D., Fahrika, A. I., & Arief, F. (2026). Peran Pegadaian Syariah berbasis digitalisasi keuangan Islam dalam pemberdayaan ekonomi masyarakat: Studi pada UMKM di Kec. Tanete Riattang Barat Kab. Bone. Islamic Banking and Finance, 6(2), 128–143. https://doi.org/10.30863/ibf.v6i2.6176

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Vol. 6 No. 2 (2026): Article in Press

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