Peran Pegadaian Syariah dalam Literasi Keuangan Syariah

Abstract

This study aims to determine the implementation of the Indonesian National Financial Literacy Strategy (SNLKI) in the sharia pawnshop sector in Yogyakarta. The data collection technique in this study is a structured interview method that is asking q5uestions that have been prepared to the respondent, which is then recorded by the researcher. The answers to the interview questions are then called primary research data. The population of this study is all branches of sharia pawning in Yogyakarta and researchers took samples with Probability Sampling because each element of the population is homogeneous, which has the same opportunity to be chosen as the subject. The results of this study are that all sharia pawnshop unit offices have implemented programs to improve financial literacy but have not been optimal in understanding specifically the SNLKI issued by the government due to the lack of training from the center regarding the core action of SNLKI.

Literature Study Analysis of Sharia Pawnshops in Indonesia

“…3) Deskriptif :6 literature (Nasution, 2016), (Putri, 2016), (Budiman et al, 2017), (Luluk Wahyu Roficoh, 2018), (Manahaar, 2019), (Tulasmi & Mukti, 2020) 4) Deskriptif Kualitatif : 12 literature (Panjaitan, 2015), (Wandira, 2016), (Suharja, 2016), (Anggadini, 2017), (Marhani, 2017), (Surepno, 2018), (Harahap, 2019), (Sinambela, 2019), (Setyaningrum & Khotijah, 2020), (Hidayat & Zulhelmy, 2020), (Kaddi et al, 2020) (Irfan, 2015), (Mahmudahningtyas, 2015), (Afdhila, 2019), (A, 2019), (Sari, 2019), (Perwasih, 2019) 2 Quantitative 10 26,32 (Hadijah, 2015), (Muthmainah & Cholil, 2015), (Wahab, 2017), (Habibah, 2017), (Rukmanasari, 2017), (Ellysa & Hidayah, 2019), (Dwihapsari et al, 2019), (Ulwiyah & Dwi Ayuningtyas, 2019), (Saputri & Dewi, 2020), (Rahmawati & Mutmainah, 2020).…”

“…Based on the literature year related to sharia pawnshops for the 2015-2020 period, the following results were obtained : 1) 2015 : 5 literature (Muthmainah & Cholil, 2015), (Irfan, 2015), (Mahmudahningtyas, 2015), (Hadijah, 2015), (Panjaitan, 2015) 2) 2016 : 4 literature (Wandira, 2016), (Suharja, 2016), (Putri, 2016), (Nasution, 2016) 3) 2017 : 6 literature (Anggadini, 2017), (Marhani, 2017), (Wahab, 2017), (Budiman et al, 2017), (Habibah, 2017), (Rukmanasari, 2017) 4) 2018 : 2 literature (Surepno, 2018), (Luluk Wahyu Roficoh, 2018) 5) 2019 : 13 literature Afdhila, 2019;Dwihapsari et al, 2019;Ellysa & Hidayah, 2019;Fedro et al, 2019;Harahap, 2019;Karnawijaya, 2019;Manahaar, 2019;Perwasih, 2019;Pramudya, 2019;Sari, 2019;Sinambela, 2019;Ulwiyah & Dwi Ayuningtyas, 2019) 6) 2020 : 8 literature (Armiya et al, 2020;Hidayat & Zulhelmy, 2020;Kaddi et al, 2020;Muhsin & Masse, 2020;Rahmawati & Mutmainah, 2020;Saputri & Dewi, 2020;Setyaningrum & Khotijah, 2020;Tulasmi & Mukti, 2020) This can be explained in the following From the table, it can be described as follows:…”

“…Based on the place of research related to the sharia pawnshop literature for the 2015-2020 period, the following results were obtained : a) Medan : 2 literature (Harahap, 2019), (Sinambela, 2019) b) Jawa Timur :5 literature (Luluk Wahyu Roficoh, 2018), (Fedro et al, 2019), (Afdhila, 2019), (Sari, 2019), (Mahmudahningtyas, 2015) c) Jawa Barat : 3 literature (Habibah, 2017), (Dwihapsari et al, 2019), (Manahaar, 2019) d) Jawa Tengah : 8 literature (Setyaningrum & Khotijah, 2020), (Rahmawati & Mutmainah, 2020), (Muthmainah & Cholil, 2015), (Ulwiyah & Dwi Ayuningtyas, 2019), (Karnawijaya, 2019), (Rukmanasari, 2017), (Anggadini, 2017), (Surepno, 2018), e) Kalimantan :1 literature (Nasution, 2016) f) Sulawesi : 5 literature (Marhani, 2017), (Wandira, 2016), (A, 2019), (Muhsin & Masse, 2020), (Kaddi et al, 2020), g) Yogyakarta : 2 literature (Ellysa & Hidayah, 2019), (Tulasmi & Mukti, 2020) h) Lampung : 5 literature (Suharja, 2016), (Perwasih, 2019), (Pramudya, 2019), (Saputri & Dewi, 2020), (Putri, 2016) i) Riau : 3 literature (Hidayat & Zulhelmy, 2020), (Wahab, 2017), (Irfan, 2015) j) Bali : 1 literature (Hadijah, 2015) k) Aceh : 2 literature (Armiya et al, 2020), (Budiman et al, 2017), l) Jakarta : 1 literature (Panjaitan, 2015) (Fedro et al, 2019),…”

“…So that in 2002 there was a collaboration between Perum Pegadaian and Bank Muamalat Indonesia to form a sharia pawnshop service unit which was marked by a Musyarakah agreement number 446/SP300.233/2002 where the public pawnshop company sought 54.5% capital while Bank Muamalat Indonesia sought 45, 5%. (Tulasmi & Mukti, 2020) The development of types of Islamic financial institutions in Indonesia makes people have many choices to choose financial institutions that suit the needs of the community. One of them is the sharia pawnshop, this financial institution has a major impact in meeting the financial needs of the community.…”

Analysis Of Sharia Financial Literature Post Merger Of Sharia Commercial Bank Pekanbaru

“…This can be caused by the lack of knowledge and understanding of MSMEs on the existence of financial institutions, known as financial literacy (Djuwita & Yusuf, 2018). Sharia pawnshops continue to strive to optimize financial literacy programs for the community so that they can create people who are financially literate and able to use financial service products correctly according to the needs of each individual (Tulasmi, 2020).…”