Abstract
This research focuses on exploring the understanding of the Muslim community in Manado City towards the sharia pawnshop system. Manado City, with a majority non-Muslim population, is an interesting background to understand the extent of knowledge of the Muslim community regarding the concept and implementation of sharia pawnshops. Qualitative methods are used with data collection techniques through interviews, observation, and document analysis. The results of the study show that their understanding of the basic and operational principles of Islamic pawnshops is still limited. Factors such as lack of education and related information become the main obstacles in increasing understanding. Many respondents have the perception that Islamic pawnshops are similar to conventional pawnshops without significant differences. Therefore, a more in-depth and structured educational approach is needed to increase public knowledge about sharia pawnshops. The move is expected to raise awareness of the advantages and benefits of sharia-compliant finance, enabling people to make financial decisions that are more in line with their religious values. This provides an important picture for the development of more inclusive and sustainable financial services in these communities.ABSTRAK Penelitian ini berfokus pada eksplorasi pemahaman masyarakat Muslim di Kota Manado terhadap sistem pegadaian syariah. Kota Manado, dengan mayoritas penduduk non-Muslim, menjadi latar belakang yang menarik untuk memahami sejauh mana pengetahuan masyarakat Muslim terkait konsep dan pelaksanaan pegadaian syariah. Metode kualitatif digunakan dengan teknik pengumpulan data melalui wawancara, observasi, dan analisis dokumen. Hasil studi menunjukkan bahwa pemahaman mereka tentang prinsip-prinsip dasar dan operasional pegadaian syariah masih terbatas. Faktor seperti kurangnya edukasi dan informasi terkait menjadi penghambat utama dalam peningkatan pemahaman. Banyak responden memiliki persepsi bahwa pegadaian syariah serupa dengan pegadaian konvensional tanpa perbedaan signifikan. Oleh karena itu, diperlukan pendekatan edukatif yang lebih mendalam dan terstruktur untuk meningkatkan pengetahuan masyarakat tentang pegadaian syariah. Langkah ini diharapkan dapat meningkatkan kesadaran akan keunggulan dan manfaat keuangan yang sesuai dengan prinsip syariah, memungkinkan masyarakat membuat keputusan finansial yang lebih sesuai dengan nilai-nilai agama mereka. Hal ini memberikan gambaran penting bagi pengembangan layanan keuangan yang lebih inklusif dan berkelanjutan di komunitas tersebut.
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