Analisis Literatur Rendahnya Literasi Keuangan Syariah Pada Nasabah dan Dampaknya terhadap Layanan Digital Pegadaian
DOI:
https://doi.org/10.55380/tasyri.v7i01.1276Keywords:
Islamic Financial Literacy, Sharia Pegadaian, Digital Financial ServiceAbstract
The development of digital-based Islamic financial services in Indonesia has grown significantly, including within Sharia Pegadaian institutions. However, the utilization of these digital services remains suboptimal due to the low level of Islamic financial literacy among customers. This article aims to systematically analyze how low Islamic financial literacy affects the adoption of digital services at Sharia Pegadaian. This study employs a library research method by examining various academic sources, including national and international journals, scholarly books, and official reports from relevant institutions such as the Financial Services Authority and Sharia Pegadaian. Content analysis is used to identify patterns, key findings, and conceptual relationships between Islamic financial literacy and digital service adoption. The results indicate that customers’ limited understanding of Islamic financial principles, contract mechanisms, and digital transaction processes leads to low trust and reduced interest in using digital Pegadaian services. In addition, limited digital literacy and perceived transaction risks further reinforce customers’ preference for conventional, face-to-face services. Therefore, strengthening Islamic financial literacy integrated with digital education is a crucial factor in supporting the successful and sustainable digital transformation of Sharia Pegadaian services.
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Suriyanti, S., & Mandung, F. (2024). Exploring Financial Behavior: A Qualitative Investigation into Psychological Factors Influencing Risk Preferences and Investment Decisions. Golden Ratio of Finance Management, 4(2), 100–112. https://doi.org/10.52970/grfm.v4i2.430
Widyaputri, F. F., & Gunanto, E. Y. A. (2023). Shariah mobile banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5).
Billah, M., & Saripudin, U. (2024). ANALISIS PENGGUNAAN UANG DIGITAL DALAM PERSPEKTIF EKONOMI SYARIAH. Ar-Rihlah : Jurnal Keuangan Dan Perbankan Syariah, 4(2), 135. https://doi.org/10.35194/arps.v4i2.4966
Cahyati, C., Niswatin, N., & Hiola, Y. (2025). The Influence of Islamic Financial Literacy on Sharia Digital Finance for Consumers at Pegadaian Syariah Gorontalo. Assets: Jurnal Ilmiah Ilmu Akuntansi, Keuangan Dan Pajak, 9(2), 107–119.
Fadhilah, J. R., & Putri, N. E. (2021). Faktor-faktor yang Mempengaruhi Penggunaan Aplikasi Pegadaian Digital Service di Pegadaian cabang Tarandam kota Padang. Jurnal Ilmu Sosial Dan Pedndidikan (JISIP), 5(4), 1158–1167.
Fadli, J. A., Indradewa, R., & Yudistria, Y. (2024). Measuring the level of digital financial literacy among Generation Y and Z in Indonesia.
Fitri Fadilah Widyaputri, & Edy Yusuf Agung Gunanto. (2023). Shariah Mobile Banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5), 482–495. https://doi.org/10.20473/vol10iss20235pp482-495
Hardiati, N., & Miranti, I. (2024). Prinsip pembiayaan akad mudharabah di lembaga keuangan syariah. Holistik Analisis Nexus, 1(5), 101–113.
Hidayat, & Z. (2020). ANALISIS PEGADAIAN SYARIAH DI KOTA PEKANBARU. Jurnal Tabarru’: Islamic Banking and Finance, 3(1), 78–85.
Kurniawan, A. (2024). Penggunaan teknologi: Kajian niat perilaku dalam menggunakan layanan financial technology syariah (Studi pada Generasi Millenial di Kota Bandar Lampung). Jurnal Manajemen Bisnis Dan Kewirausahaan, 8(4), 970–982.
M. Anwarul Islam, K., & Saifuddin Khan, M. (2024). The role of financial literacy, digital literacy, and financial self-efficacy in FinTech adoption. Investment Management and Financial Innovations, 21(2), 370–380. https://doi.org/10.21511/imfi.21(2).2024.30
Mentari, C. I., Wahyuni, F., & Hendra, J. (2025). Strategi Inklusi Keuangan Syariah Melalui Digitalisasi Layanan dan Edukasi di Era Pasca Pandemi. Journal of Business Inflation Management and Accounting, 2(1), 164–170. https://doi.org/10.57235/bima.v2i1.4686
Muhammad Basri, & Muarif Leo. (2023). Pengaruh Literasi Keuangan dan Digital Terhadap Preferensi Bank Digital. Journal of Trends Economics and Accounting Research, 3(4), 421–427. https://doi.org/10.47065/jtear.v3i4.659
Ningrum, R. P., & Widyaningsih, M. (2023). FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH MENGGUNAKAN PRODUK GADAI (RAHN) DI PEGADAIAN SYARIAH CPS SOLO BARU. Jurnal Syarikah : Jurnal Ekonomi Islam, 9(2), 186–196. https://doi.org/10.30997/jsei.v9i2.8825
Nur Aisyah, A., & Anggara, B. (2025). Perkembangan Pasar Modal Syariah di Era Digital: Peluang dan Problematika yang Dihadapi. Mauriduna: Journal of Islamic Studies, 6(1), 439–446. https://doi.org/10.37274/mauriduna.v6i1.1373
Octrina, F., Rizal, N. A., Krisnawati, A., & Hendayani, R. (2023). Sosialisasi literasi keuangan dan investasi bagi gen z. JMM (Jurnal Masyarakat Mandiri), 7(5), 4195–4203.
Olii, N. F., & Yusuf, N. (2021). Faktor-faktor yang memengaruhi keputusan nasabah menggunakan pegadaian syariah pada cabang pegadaian syariah (CPS) Datoe Binangkang. Kunuz: Journal of Islamic Banking and Finance, 1(1), 35–43.
Rasmini, M., Alexandri, M. B., & Tuzahro, F. (2025). PENGARUH PENDIDIKAN DAN PENDAPATAN TERHADAP LITERASI KEUANGAN SYARIAH PADA MASYARAKAT JATINANGOR. AdBispreneur: Jurnal Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan, 9(1), 51–68.
RIDWAN, M., Fitriani, A., & Mulyawati, N. (2024). Sosialisasi Literasi Keuangan Syariah Melalui Kegiatan Seminar Dalam Acara Ramadan Youth Program. Attamkiim: Jurnal Pengabdian Masyarakat, 1(1), 27–35. https://doi.org/10.62070/attamkiim.v1i1.66
Rozadi, I., Makki, M., & Abrori, F. (2025). TELAAH HUKUM EKONOMI SYARIAH TERHADAP SISTEM PEMBAYARAN DIGITAL DALAM LAYANAN OJEK ONLINE DI SITUBONDO. Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, Dan Hukum Ekonomi, 5(1), 110–124.
Saputra, A., & Zoraya, I. (2024). Analisis Pengaruh Literasi Keuangan Dan Manajemen Keuangan Pribadi Terhadap Keputusan Penggunaan Kredit Pada Kaum Milenial. Jurnal Manajemen Terapan Dan Keuangan, 13(01), 243–255.
Supriadi, I., Maghfiroh, R. U., Abadi, R., & Yudowati, D. M. (2023). The role of Sharia financial innovation and literacy in improving the performance of MSME actors. Journal of Islamic Economic and Business Research, 3(2), 214–229.
Suriyanti, S., & Mandung, F. (2024). Exploring Financial Behavior: A Qualitative Investigation into Psychological Factors Influencing Risk Preferences and Investment Decisions. Golden Ratio of Finance Management, 4(2), 100–112. https://doi.org/10.52970/grfm.v4i2.430
Widyaputri, F. F., & Gunanto, E. Y. A. (2023). Shariah mobile banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy. Jurnal Ekonomi Syariah Teori Dan Terapan, 10(5).
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Published
2026-01-22
How to Cite
Latifah, A. M., & Wulandari, S. (2026). Analisis Literatur Rendahnya Literasi Keuangan Syariah Pada Nasabah dan Dampaknya terhadap Layanan Digital Pegadaian. At-Tasyri: Jurnal Hukum Islam Dan Ekonomi Syariah, 7(01), 80–97. https://doi.org/10.55380/tasyri.v7i01.1276
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