Persepsi Pedagang Pasar Tugu Terhadap Pembiayaan Usaha Pegadaian Syariah Tugu Market Traders' Perceptions of Sharia Pawnshop Business Financing

Abstract

Business financing in sharia pawnshops is one of the attractive solutions for business actors, especially Micro, Small and Medium Enterprises (MSMEs). With the underlying sharia principles, this service offers a fairer and more transparent alternative to conventional financing. This research aims to provide an understanding to prospective customers who will take business financing in Islamic pawnshops which can provide an understanding of the capital obtained from Islamic pawnshops that can be used for the sustainability of the traders' businesses, how traders in Tugu Market view and assess business financing offered by Islamic pawnshops. This research method uses a descriptive approach using qualitative methods because it allows researchers to explore information in depth about the understanding, experience, and unique perspectives of traders regarding financing in Islamic pawnshops. The results of the analysis show that there are some traders who still lack understanding about loans in Islamic pawnshops, especially in understanding the application process and the requirements needed. even so, the traders feel the benefits provided by Islamic pawnshops, namely by increasing the turnover of traders' businesses which has a positive effect on their businesses. The lack of a large number of respondents and also the fact that there are still few traders who know about the existence of financing in Islamic pawnshops are obstacles in this study that can be used as references for further research.