PUBLIC PERCEPTION ON PAWN SERVICES IN NON-BANK FINANCIAL INSTITUTIONS (CASE STUDY ON PEGADAIAN SYARIAH IN MEDAN CITY)

Abstract

This research analyzes the community's perspective on pawn services at Pegadaian Syariah Medan City using descriptive qualitative methods. Data were collected through interviews, observation, and documentation. The results showed that the community chose Pegadaian Syariah because of the ease of process, transparency, and compliance with sharia principles. However, there are still obstacles in understanding the concept of sharia pawn due to lack of financial literacy. Islamic Pawnshops have the potential to become a sharia-based financial solution, but further education is needed to the community.