Reformasi Hukum Gadai di Era Digital : Tantangan dan Manfaatnya Mengenai Gadai Syariah Digital

Abstract

In the current digital era, digital Islamic pawnshops have emerged as increasingly relevant financial solutions for society, despite encountering challenges such as inadequate infrastructure, low levels of digital literacy, and technical difficulties. This study aims to examine the obstacles and advantages of digital Islamic pawnshops in promoting financial inclusion in Indonesia. Using a qualitative approach through literature analysis, this research identifies legal and technical issues associated with the implementation of digital Islamic pawnshops. The results highlight that while these pawnshops offer time and cost efficiency, challenges like limited internet accessibility, poor technological awareness, and security vulnerabilities must be resolved. Recommendations include enhancing digital infrastructure, providing comprehensive education, and strengthening security measures to broaden access and improve the quality of digital Islamic pawnshop services.