IMPLEMENTASI TRANSFORMASI DIGITAL PADA PEGADAIAN SYARIAH: KAJIAN TERHADAP KESIAPAN, HAMBATAN, DAN PROSPEK PENGEMBANGAN (Studi Kasus PT Pegadaian Syariah Cabang Kendari)

ELSA GIANA. NIM 2021050102126., E (2026) IMPLEMENTASI TRANSFORMASI DIGITAL PADA PEGADAIAN SYARIAH: KAJIAN TERHADAP KESIAPAN, HAMBATAN, DAN PROSPEK PENGEMBANGAN (Studi Kasus PT Pegadaian Syariah Cabang Kendari). Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK
ELSA GIANA. NIM 2021050102126. “Implementasi Transformasi
Digital Pada Pegadaian Syariah: Kajian Terhadap Kesiapan,
Hambatan, Dan Prospek Pengembangan”. Melalui bimbingan oleh
Ibu Kiki Novita Sari., S.H.I., M.E Dan Bapak Salehaman., S.Hut.,
M.E.I, Program Studi Perbankan Syariah, 2025.

Transformasi digital menjadi keniscayaan dalam layanan
keuangan modern, termasuk Pegadaian Syariah yang berbasis prinsip
keuangan Islam. Penelitian ini menganalisis kesiapan, hambatan, dan
prospek transformasi digital di Pegadaian Syariah Cabang Kota
Kendari. Menggunakan pendekatan kualitatif dan metode studi kasus,
data diperoleh melalui wawancara, observasi, dan dokumentasi
internal.Validitas data dijamin melalui teknik triangulasi. Hasil
penelitian menunjukkan kesiapan cukup baik dari sisi infrastruktur
teknologi, ketersediaan aplikasi digital seperti tabungan emas, serta
dukungan internal manajemen dan Dewan Pengawas Syariah. Pegawai
telah menginternalisasi teknologi melalui penggunaan aplikasi,
meskipun pelatihan formal masih terbatas. Hambatan utama datang dari
eksternal, yaitu resistensi sebagian nasabah, terutama kelompok usia
lanjut dan ibu rumah tangga, akibat rendahnya literasi digital dan
kekhawatiran terhadap keamanan.Tantangan lain adalah keterbatasan
anggaran untuk mengembangkan aplikasi yang aman, mudah, dan
sesuai syariah. Namun demikian, prospeknya tetap cerah dengan
inovasi produk, kerja sama digital nasional, dan kebijakan pembiasaan
digital. Dengan peningkatan edukasi publik dan pelatihan SDM,
Pegadaian Syariah berpeluang menjadi pionir keuangan syariah digital
yang unggul, inklusif, dan berkelanjutan.


Kata kunci: Transformasi Digital, Pegadaian Syariah, Studi Kasus,
Literasi Digital, Inklusi Keuangan Syariah

ABSTRACT

ELSA GIANA. NIM 2021050102126. “Implementation of Digital
Transformation at Islamic Pawnshops Study of: Readiness,
Obstacles, and Development Prospects”. Through guidance by
Mrs. Kiki Novita Sari., S.H.I., M.E and Mr. Salehaman., S.Hut.,
M.E.I, Islamic Banking Study Program, 2025.

Digital transformation has become a necessity in modern
financial services, including Islamic Pawnshop based on Islamic
financial principles. This research analyzes the readiness, barriers, and
prospects of digital transformation at the Islamic Pawnshop Branch in
Kendari City. Using a qualitative approach and case study method, data
was obtained through interviews, observations, and internal
documentation. Data validity is ensured through triangulation
techniques. the results indicate a fairly good readiness in terms of
technological infrastructure, availability of digital applications such as
gold savings, as well as internal support from management and the
Islamic Supervisory Board. Employees have internalized technology
through the use of applications, although formal training is still limited.
The main obstacles come from external factors, namely resistance from
some customers, especially the elderly and housewives, due to low
digital literacy and concerns about security.Another challenge is the
limited budget to develop secure, user-friendly, and Sharia-compliant
applications. Nevertheless, the prospects remain bright with product
innovations, national digital collaboration, and digital habituation
policies. With increased public education and human resource training,
Islamic Pawnshop has the opportunity to become a leading, inclusive,
and sustainable digital Islamic financial pioneer.

Keywords: Digital Transformation, Islamic Pawnshop, Case Study,
Digital Literacy, Islamic Financial Inclusion

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Transformasi Digital, Pegadaian Syariah, Studi Kasus, Literasi Digital, Inklusi Keuangan Syariah
Subjects:	300 Ilmu Sosial > 332 Ekonomi Keuangan
Divisions:	Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User:	Unnamed user with email [email protected]
Date Deposited:	07 May 2026 07:45
Last Modified:	07 May 2026 07:45
URI:	http://digitallib.iainkendari.ac.id/id/eprint/4462

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