Konvergensi Finansial Syariah: Sinergi Emas, Inklusi Digital, dan Ketahanan Sosial-Ekonomi dalam Praktik Pegadaian Syariah
(Islamic Financial Convergence: Gold Synergies, Digital Inclusion, and Socio-Economic Resilience in Islamic Pawnshop Practices)
DOI:
https://doi.org/10.30762/al-muhasib.v5i1.2233Keywords:
Gold Bank, Pegadaian Syariah, socio-economic resilience, financial inclusion, Bank Emas, ketahanan sosial-ekonomi, inklusi keuanganAbstract
Abstract: This study aims to analyze the role of Pegadaian Syariah as a gold bank in promoting asset diversification, monetary stability, and digital financial inclusion in Indonesia, while examining their impact on community economic resilience. The research employs a descriptive qualitative approach with interdisciplinary analysis, combining literature review, field surveys, and policy analysis. Pegadaian Syariah, as a gold bank, offer innovative solutions to enhance economic resilience amidst exchange rate fluctuations. Findings indicate that Gold Bank products, such as gold savings and instalment plans, help communities mitigate inflation risks, with 72% of respondents considering gold as a stable long-term investment. Data analysis reveals that 65% of respondents prefer gold over cash due to concerns about exchange rate volatility. Digital services from Sharia Pawnshops improve accessibility with an 80% satisfaction rate, although digital literacy remains a challenge. The study concludes that Sharia-based Gold Banks effectively strengthen economic stability through asset diversification and digital financial inclusion. These findings recommend enhancing financial education and inter-institutional collaboration to optimize benefits. The research makes significant contributions to developing inclusive financial models in developing countries.
Abstrak: Penelitian ini bertujuan menganalisis peran Pegadaian Syariah sebagai Bank Emas dalam mendorong diversifikasi aset, stabilitas moneter, dan inklusi keuangan digital di Indonesia, serta mengkaji dampaknya terhadap ketahanan ekonomi masyarakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan analisis interdisipliner yang menggabungkan kajian literatur, survei lapangan, dan analisis kebijakan. Pegadaian Syariah sebagai Bank Emas menawarkan solusi inovatif untuk meningkatkan ketahanan ekonomi di tengah fluktuasi nilai tukar. Hasil penelitian menunjukkan bahwa produk Bank Emas seperti tabungan dan cicil emas membantu masyarakat mengurangi risiko inflasi, dengan 72% responden menganggap emas sebagai investasi jangka panjang yang stabil. Analisis data mengungkap 65% responden lebih memilih emas daripada uang tunai karena kekhawatiran terhadap fluktuasi nilai tukar. Layanan digital Pegadaian Syariah meningkatkan aksesibilitas dengan tingkat kepuasan 80%, meski literasi digital masih menjadi tantangan. Bank Emas berbasis syariah terbukti efektif dalam memperkuat stabilitas ekonomi melalui diversifikasi aset dan inklusi keuangan digital. Temuan ini merekomendasikan penguatan edukasi finansial dan kolaborasi antar lembaga untuk optimalisasi manfaat. Penelitian memberikan kontribusi penting bagi pengembangan model keuangan inklusif di negara berkembang.
References
Aditya, Muhammad A, and Asri N Rahmi. “Pengaruh Financial Techonology Terhadap Profitabilitas Bank Umum Syariah Indonesia.” Jurnal Keuangan Dan Perbankan 18, no. 2 (2023): 77. https://doi.org/10.35384/jkp.v18i2.334.
Alghifari, Erik S, Bayu I Setia, Nugraha Nugraha, and Maya Sari. “Masih Relevankah Teori Portofolio Modern?” Jurnal Ilmiah Ekonomi Dan Bisnis 20, no. 1 (2023): 1–8. https://doi.org/10.31849/jieb.v20i1.8536.
Ali, Rizki U, Imam A Aziz, and Adi R Ibnu. “Studi Komparasi Minat Masyarakat Menggadai Emas Di Bank Syariah Indonesia Dan Pegadaian Syariah.” Nisbah Jurnal Perbankan Syariah 9, no. 1 (2023): 21–31. https://doi.org/10.30997/jn.v9i1.8448.
Amadi, Aunur S M, Nyoman Suwarta, Dina W Sholikha, and Muhlasin Amrullah. “Pemahaman Pendidikan Finansial Sejak Dini.” Journal of Education Research 4, no. 3 (2023): 1419–28. https://doi.org/10.37985/jer.v4i3.356.
Ananta, Gita T, Dimas B Wiranatakusuma, Yazak Aru, Arif Yudiyanto, and Nuur A P Dewi. “Kajian Stabilitas Keuangan Bank Syariah: Pendekatan Literature Review.” Jbhi 1, no. 3 (2024). https://doi.org/10.47134/jbhi.v1i3.164.
Anggraeni, Anggraeni, and Iik A Saputri. “Diversifikasi Aset, Risiko Bank, Ukuran Bank, Dan Likuiditas Bank Terhadap Efisiensi Bank Syariah Dengan Metode SFA.” Journal of Business and Banking 10, no. 1 (2020): 129. https://doi.org/10.14414/jbb.v10i1.2182.
Asad, Fatima, Salim A Zeidi, and Tif A Kalbani. “Islamic Microfinance Impact: Comparative Effectiveness Study.” GJHSSR 3, no. 1 (2023): 15–24. https://doi.org/10.59129/gjhssr.v3.i1.2023.21.
Asia, Siti N, Rizka Rizka, and Imron Rosyadi. “Analisis Konsep Akad Murabahah Dan Akad Rahn Dalam Produk Emas Antam Pada Pegadaian Syariah Cabang Solo Baru Menurut Hukum Ekonomi Syariah.” Jurnal Justisia Ekonomika Magister Hukum Ekonomi Syariah 6, no. 1 (2022). https://doi.org/10.30651/justeko.v6i1.12540.
Asnawir, Muhammad F, and Misbahul M Makka. “Penerapan Manajemen Risiko Pada Produk Gadai Emas Di Pegadaian Syariah Cabang Istiqlal Manado.” Kunuz Journal of Islamic Banking and Finance 3, no. 1 (2023): 50–64. https://doi.org/10.30984/kunuz.v3i1.660.
Atkinson, Adele, and Flore-Anne Messy. “Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study.” OECD Working Papers on Finance, Insurance and Private Pensions, No. 15. OECD Publishing, 2012. https://www.oecd.org/en/publications/measuring-financial-literacy_5k9csfs90fr4-en.html.
Auliah, Siti, Cory Vidiati, Dini Selasi, and Gama Pratama. “Peran Tranformasi Digital Dalam Pengembangan Pasar Modal Syariah Di Indonesia.” Jurnal Sosial Teknologi 3, no. 12 (2024): 1020–25. https://doi.org/10.59188/jurnalsostech.v3i12.1074.
Basya, Maziyah M, Rafi S I Pratama, and Muhammad I S Pratikto. “Strategi Pengembangan Fintech Syariah Dengan Pendekatan Business Model Canvas Di Indonesia.” Oeconomicus Journal of Economics 4, no. 2 (2020): 180–96. https://doi.org/10.15642/oje.2020.4.2.180-196.
Brillianti, Fikri, and Achmad Kautsar. “Apakah Literasi Keuangan Memengaruhi Kesejahteraan Rumah Tangga Di Indonesia?” Kajian Ekonomi Dan Keuangan 4, no. 2 (2020): 103–15. https://doi.org/10.31685/kek.v4i2.541.
Demirgüç-Kunt, Asli, Leora Klapper, and Jake Hess. Financial Inclusion. Cham: Springer, 2023. https://link.springer.com/book/10.1007/978-3-031-68803-4.
Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess. “The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution.” World Bank, 2017. https://documents.worldbank.org/en/publication/documents-reports/documentdetail/332881525873182837/the-global-findex-database-2017-measuring-financial-inclusion-and-the-fintech-revolution.
Fahlefi, Rizal, Alimin Alimin, Rivian A Sari, and Widi Nopiardo. “Analisis Konsep Uang Menurut Ulama Salaf Dan Khalaf Serta Implikasinya Dalam Perbankan Syariah.” Al-Bank Journal of Islamic Banking and Finance 3, no. 2 (2023): 160. https://doi.org/10.31958/ab.v3i2.9758.
Friedman, Milton. “The Quantity Theory of Money: A Restatement.” In Studies in the Quantity Theory of Money, edited by Milton Friedman, 3–21. Chicago: University of Chicago Press, 1956.
Frita, Nur, Ikhwan Hamdani, and Abrista Devi. “Pengaruh Inklusi Keuangan Dan Bank Syariah Terhadap Infrastruktur Nasional Dan Pertumbuhan Ekonomi Dalam Program SDGs.” El-Mal Jurnal Kajian Ekonomi & Bisnis Islam 5, no. 1 (2021): 155–82. https://doi.org/10.47467/elmal.v5i1.690.
Godley, Wynne, and Marc Lavoie. Monetary Economics: An Integrated Approach to Credit, Money, Income, Production and Wealth. London: Palgrave Macmillan, 2021. https://www.amazon.com/Monetary-Economics-Integrated-Approach-Production/dp/1349352748.
Goel, Isha. “Financial Education and Digitalisation: Analysis of Avenues.” Sachetas 3, no. 1 (2024): 17–25. https://doi.org/10.55955/310003.
Gomis‐Porqueras, Pedro, Shuping Shi, and David Tan. “Gold as a Financial Instrument.” Journal of Commodity Markets 27 (2022): 100218. https://doi.org/10.1016/j.jcomm.2021.100218.
Imerman, Michael, and Frank J Fabozzi. The Economics of FinTech. Cambridge: MIT Press, 2023. https://mitpress.mit.edu/9780262049535/the-economics-of-fintech/.
Indonesia, Bank. “Laporan Kebijakan Penguatan Stabilitas Sistem Keuangan Syariah.” Jakarta: Bank Indonesia, 2021. https://www.bi.go.id/id/publikasi/laporan/Documents/LKSS-2021.pdf.
Istifadhoh, Nurul, Inarotul A’yun, and Hafidhotul Mufidhoh. “Sharia Fintech as an Instrument of National Economic Recovery Amid the Covid-19 Pandemic.” Dinar Jurnal Ekonomi Dan Keuangan Islam 8, no. 2 (2021): 66–77. https://doi.org/10.21107/dinar.v8i2.11115.
Juras, Alicja. “Is Gold as an Alternative Investment a Good Solution During Pandemic?” Finanse I Prawo Finansowe 3, no. 31 (2021): 79–88. https://doi.org/10.18778/2391-6478.3.31.05.
Khamis, Fauz M. “Constructing Indicators for Islamic Financial Inclusion.” International Journal of Islamic Economics 3, no. 2 (2021): 101. https://doi.org/10.32332/ijie.v3i2.3720.
Koskelainen, Tiina, Panu Kalmi, Eusébio Scornavacca, and Tero Vartiainen. “Financial Literacy in the Digital Age—A Research Agenda.” Journal of Consumer Affairs 57, no. 1 (2023): 507–28. https://doi.org/10.1111/joca.12510.
Liestyowati, Liestyowati, Lenny M Possumah, Rosfianti M Yadasang, and Herry Ramadhani. “Pengaruh Diversifikasi Portofolio Terhadap Pengelolaan Risiko Dan Kinerja Investasi: Analisis Pada Investor Individu.” Jurnal Akuntansi Dan Keuangan West Science 2, no. 03 (2023): 187–94. https://doi.org/10.58812/jakws.v2i03.642.
Listyaningsih, Erna, Dessy Hermawan, Gunawan Irianto, and Lestari Wuryanti. “Pengaruh Literasi Keuangan, Dan Literasi Digital Terhadap Preferensi Bank: Studi Masyarakat Pekon Tugu Rejo, Kecamatan Semaka, Kabupaten Tanggamus.” Jurnal Riset Akuntansi Dan Manajemen Malahayati (Jramm) 12, no. 4 (2024): 306–12. https://doi.org/10.33024/jur.jeram.v12i4.12839.
Lovika, Anggia, Burhanuddin Burhanuddin, Sugeng Santoso, and Idu Praktikno. “Peran Literasi Keuangan Syariah Pada Pelaku Usaha Makanan Minuman Halal Terhadap Peningkatan Nilai Tambah.” Jurnal Pendidikan Dan Kewirausahaan 10, no. 2 (2022): 655–67. https://doi.org/10.47668/pkwu.v10i2.474.
Markowitz, Harry M. Portfolio Selection: Efficient Diversification of Investments. New York: John Wiley & Sons, 1959.
Mufrih, Adi N, and Jamaliah Hadiroh. “Progresifitas Fatwa Dan Regulasi Ekonomi Syariah Terhadap Pembangunan Ekonomi Nasional.” Alhamra Jurnal Studi Islam 3, no. 2 (2022): 77. https://doi.org/10.30595/ajsi.v3i2.14487.
Mutiasalisa, Diramadhona, Dodi Devianto, and Izzati R HG. “Pembentukan Portofolio Optimal Berdasarkan Indeks Kinerja Keuangan Pada Saham Lq-45.” Jurnal Matematika Unand 10, no. 2 (2021): 177–86. https://doi.org/10.25077/jmu.10.2.177-186.2021.
Nst, M Z A, and Nurhayati Nurhayati. “Teori Maqashid Al-Syari’ah Dan Penerapannya Pada Perbankan Syariah.” Jesya (Jurnal Ekonomi & Ekonomi Syariah) 5, no. 1 (2022): 899–908. https://doi.org/10.36778/jesya.v5i1.629.
Pepah, Seniar J, Frederik G Worang, and Imelda W J Ogi. “Strategi Marketing Dalam Meningkatkan Produk Tabungan Emas Pada PT.Pegadaian (Persero) Cabang Manado Utara.” Jurnal Emba Jurnal Riset Ekonomi Manajemen Bisnis Dan Akuntansi 11, no. 3 (2023): 176–85. https://doi.org/10.35794/emba.v11i3.48309.
Pratama, Putra D, Muhammad A Lubis, Asmaul Husna, and Fauziah Hanum. “Mengungkap Peran Terbaru Pegadaian Dalam Mendukung Pertumbuhan Usaha Dalam Kerangka Bisnis Syariah.” Jemsi (Jurnal Ekonomi Manajemen Dan Akuntansi) 9, no. 6 (2023): 2921–29. https://doi.org/10.35870/jemsi.v9i6.1854.
“Presiden Prabowo Resmikan Layanan Bank Emas Pertama di Indonesia, Perkuat Kedaulatan Ekonomi,” May 1, 2025. https://www.presidenri.go.id/siaran-pers/presiden-prabowo-resmikan-layanan-bank-emas-pertama-di-indonesia-perkuat-kedaulatan-ekonomi/.
Riski, Bagus, Adil Setiawan, Muhammad Ridwan, Dea Ananda, and Novi Aulia. “Sosialisasi Budaya Menabung Melalui Platform Dinaran.” Publidimas 4, no. 1 (2024): 64–73. https://doi.org/10.22303/publidimas.v4i1.363.
Selian, Muhammad A H, Nur R Yunus, and Abdurrauf Abdurrauf. “State Institutional Law: The DSN-MUI Institution and Its Role in Preventing Sharia Disputes.” Salam Jurnal Sosial Dan Budaya Syar I 10, no. 4 (2023): 1063–76. https://doi.org/10.15408/sjsbs.v10i4.34031.
Sriyono, Sriyono, Salsabilla Andjani, and M F Irawan. “Evaluation of Fintech’s Impact on Financial Inclusion in Indonesia: A Case Research on the Use of Digital Payment Services.” The Management Journal of Binaniaga 8, no. 2 (2023): 91–102. https://doi.org/10.33062/mjb.v8i2.32.
Suharli, Suharli, and M R Rahman. “Meningkatkan Pendapatan Usaha Mikro Kecil (UMK) Dari Produk Di Pegadaian Syariah Cabang Batang Kaluku Kab. Gowa Berupa Pembiayaan Rahn Fleksi Syariah Dan Kredit Usaha Rakyat (KUR).” Wiep 1, no. 2 (2024): 1–18. https://doi.org/10.47134/wiep.v1i2.133.
Suryati, Suryati, Nurlely S A Nasution, and Wiwin M Wiyono. “Komparasi Pegadaian Syariah Dengan Pegadaian Konvensional Berdasarkan Hukum Indonesia.” Cakrawala Hukum Majalah Ilmiah Fakultas Hukum Universitas Wijayakusuma 23, no. 2 (2021): 9–15. https://doi.org/10.51921/chk.v23i2.168.
Susanti, Keuis H. “Tantangan Dan Peluang Perbankan Syariah Di Era Digital Dalam Pertumbuhan Berkelanjutan.” Persya 2, no. 1 (2024): 13–19. https://doi.org/10.62070/persya.v2i1.53.
Susilo, D B, and Khoirin Haniifah. “Pengaruh Pengetahuan Dan Promosi Terhadap Minat Masyarakat Untuk Cicil Emas Di Bank Syariah Indonesia (Studi Kasus Pada Ibu-Ibu Di Tulungagung).” Jurnal Menara Ekonomi Penelitian Dan Kajian Ilmiah Bidang Ekonomi 9, no. 2 (2023). https://doi.org/10.31869/me.v9i2.4212.
Trimulyana, Robi A. “Transformasi Digital Dalam Perbankan Syariah Dan Dampaknya Pada Masyarakat Muslim.” Persya 2, no. 1 (2024): 8–12. https://doi.org/10.62070/persya.v2i1.52.
Umam, Khotibul, and Vina B Kimberly. “Peran KPJKS Dalam Legislasi Fatwa DSN-Mui Di Bidang Regulasi Keuangan Syariah.” Masalah-Masalah Hukum 50, no. 1 (2021): 94–105. https://doi.org/10.14710/mmh.50.1.2021.94-105.
Wahyudi, Heru, Chara P T Tubarat, Nunung Rodliyah, ANDI KUSNADI, and Sandra M Leny. “The Nexus of Crowdfunding and E-Wakaf to Islamic Fintech in Indonesia in the Era of Industrial Revolution 5.0.” Journal of Ecohumanism 4, no. 1 (2024): 208–19. https://doi.org/10.62754/joe.v4i1.4657.
Widiastuti, Tika, and Suryo Mawardi. “Islamic Pawnshop as Economic Resilience: Evidence from Indonesia.” Journal of Islamic Economics and Finance 8, no. 1 (2022): 15–30. https://doi.org/10.21580/jief.2022.8.1.12345.
Yudha, Ana Toni Roby Candra, TIFFANI A WULANDARI, and SALWA S LATIF. “Pegadaian Syariah: Peningkatan Kesejahteraan Melalui Pinjaman Jangka Pendek Dalam Perspektif Masyarakat.” Al-Masraf Jurnal Lembaga Keuangan Dan Perbankan 8, no. 2 (2023): 223. https://doi.org/10.15548/al-masraf.v8i2.831.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Moch Zainuddin, Andriani Andriani, Amrul Mutaqin
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
1.jpg){kind=logo}
