Reformulasi Strategi Pengelolaan Pegadaian Syariah Berbasis Prinsip Maqashid Syariah: Studi Kasus Terjadinya Kredit Fiktif
Keywords:
Islamic Pawnshop, Fictitious Credit, Sharia Principles, Good Corporate governanceAbstract
Islamic Pawnshop is a non-bank financial institution that operates based on the principles of maqashid syariah in providing financing to the public. In practice, there are still cases of irregularities, such as fictitious loans made by internal individuals, which reflect the weakness of the supervisory system and the implementation of sharia principles as a whole. This study aims to analyze the current management strategies of Islamic Pawnshop, identify the factors causing fictitious loans, and formulate more effective management strategies that align with Sharia principles. The method used is a qualitative approach with a case study design, focusing on a case at one of Islamic Pawnshop branches. This indicates that the main weaknesses lie in weak internal supervision, the suboptimal role of the Sharia Supervisory Board, and the low internalization of Islamic ethical values in the organizational culture. This study resulted in the reformulation of management strategies based on the principle of hisbah, strengthening the role of the DPS, regular sharia value training, independent sharia audits, and increased transparency through sharia compliance reports. These findings are expected to strengthen the integrity and governance of Islamic Pawnshop in preventing similar cases from recurring in the future.
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