The Role of Pegadaian Syariah in Supporting Microfinance: A Case Study at Kebun Bunga Branch, Banjarmasin

M. Rival; Manik Mutiara Sadewa

doi:10.59890/ijels.v3i6.78

Authors

M. Rival Politeknik Negeri Banjarmasin
Manik Mutiara Sadewa Politeknik Negeri Banjarmasin

DOI:

https://doi.org/10.59890/ijels.v3i6.78

Keywords:

Sharia Pawnshop, Sustainable Development Goals, Micro finance

Abstract

The SDGs are a global agenda consisting of 17 goals and 169 measurable targets that emphasize human well-being and environmental sustainability. In Indonesia, efforts to achieve the SDGs are pursued through strengthening the capacity of low-income communities, including the empowerment of Islamic microfinance institutions to support MSMEs. This study aims to explore the impact and role of Sharia Pawnshop Kebun Bunga Banjarmasin in supporting the SDGs through microfinance initiatives that contribute to poverty alleviation and economic growth. This research employed a quantitative descriptive method, involving 15 officer respondents selected through purposive sampling. The analysis results revealed that Sharia Pawnshop Kebun Bunga Banjarmasin plays a significant role in supporting the SDGs, particularly in eradicating poverty (SDG 1) and promoting inclusive economic growth (SDG 8), through accessible and equitable Islamic microfinance services. These findings suggest that Sharia Pawnshop Kebun Bunga Banjarmasin has the potential to continue serving as a driving force for local economic empowerment through inclusive financing, business training, and strategic partnerships.

References

Antonio, M. S. (2012). Sharia microfinance: From financial inclusion to economic empowerment. Tazkia Islamic Finance and Business Review.

Andri. (2017). Manajemen pegadaian syariah: Perspektif hukum dan ekonomi Islam. Jakarta: Kencana Prenada Media Group.

A. Eder, N. R. N. F. (2009). Analisis penerapan PSAK No. 107 (Revisi 2009) pada transaksi gadai emas (Studi pada PT Pegadaian (Persero) Syariah Way Halim Bandar Lampung) [Skripsi tidak diterbitkan]. Universitas Lampung.

Bappenas. (2022). Rencana aksi nasional tujuan pembangunan berkelanjutan (TPB/SDGs) Indonesia 2020–2024. Kementerian Perencanaan Pembangunan Nasional/Badan Perencanaan Pembangunan Nasional.

Cull, R., Demirgüç-Kunt, A., & Morduch, J. (2018). The microfinance business model: Enduring subsidy and modest profit. The World Bank Economic Review, 32(2), 221–244. https://doi.org/10.1093/wber/lhx008

Dusuki, A. W., & Bouheraoua, S. (2011). The framework of Maqasid al-Shari’ah and its implications for Islamic finance. Islamic Research and Training Institute.

Hidayat, R., Setiawan, D., & Maulana, A. (2022). Integrasi nilai-nilai SDGs dalam budaya organisasi lembaga keuangan syariah. Jurnal Ekonomi dan Pembangunan Berkelanjutan, 14(1), 45–58.

INFID. (2015). Panduan SDGs. https://infid.org

Kementerian Keuangan RI. (2023). Laporan keuangan berkelanjutan dan implementasi SDGs di lembaga keuangan. Jakarta: Pusat Kebijakan Sektor Keuangan.

Lestari, P., & Sumendap, J. (2024). Peran pembiayaan syariah dalam mendukung pencapaian Sustainable Development Goals (SDGs). Jurnal Keuangan Syariah dan Inklusi Ekonomi, 8(2), 112–126.

Obaidullah, M., & Khan, T. (2008). Islamic microfinance development: Challenges and initiatives. Islamic Development Bank.

Organisation for Economic Co-operation and Development (OECD). (2021). Measuring the social impact of financial inclusion. https://www.oecd.org/finance/measuring-social-impact-financial-inclusion.htm

Otoritas Jasa Keuangan (OJK). (2022). Laporan keuangan berkelanjutan: Panduan implementasi POJK No. 51/POJK.03/2017. Jakarta: Otoritas Jasa Keuangan.

Soemitra, A. (2018). Peran pemberdayaan masyarakat oleh lembaga keuangan mikro syariah dalam perspektif Sustainable Development Goals (SDGs). http://repository.uinsu.ac.id/5061

Trimulato, & Mustamin, A. (2022). Peran industri keuangan non-bank syariah dalam mendukung UMKM. Proceedings of Islamic Economics, Business, and Philanthropy, 1(1), 50–68.

Trimulato, N., & Nuringsih, K. (2019). Inklusi keuangan syariah dalam meningkatkan kesejahteraan masyarakat marjinal. Jurnal Ekonomi Syariah Teori dan Terapan, 6(12), 2345–2357. https://doi.org/10.20473/vol6iss12art2345

United Nations Development Programme (UNDP). (2017). Islamic finance and the SDGs (UNDP-ICD Joint Publication). https://www.undp.org

Zuhri, M. F., Liza, M., Syahputra, W., & Sari, E. N. (2023). Analisis perkembangan LKNB syariah dalam meningkatkan Sustainable Development Goals di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 8(30), 780–786. https://journal.um-surabaya.ac.id/Mas/article/view/19352