Implementasi KUR Syariah Berbasis Rahn Tasjily dalam Pengembangan UMKM di PT Pegadaian
DOI:
https://doi.org/10.37888/bjrm.v8i2.703Keywords:
KUR Syariah, Rahn Tasjily; Pengembangan UMKMAbstract
This study aims to analyze the implementation of Sharia-based People’s Business Credit (KUR Syariah) using the Rahn Tasjilycontract in supporting Micro, Small, and Medium Enterprises (MSMEs) at PT Pegadaian CP Parepare. It focuses on the procedural compliance with Maqashid Shariah and its contribution to MSME growth. A qualitative case study was conducted through semi-structured interviews, observation, and documentation involving Pegadaian staff and financing recipients. Data were thematically analyzed and validated through source triangulation. Findings show that the KUR Syariah disbursement process is efficient, with simple requirements and fast procedures. The Rahn Tasjily contract complies with DSN-MUI Fatwa No. 68/DSN-MUI/III/2008 and upholds Maqashid Shariah by avoiding riba, gharar, and maysir, with a maintenance costs (mu’nah) of 0.14 % every month. This financing has positively impacted MSMEs by increasing turnover, production capacity, market reach, and employment. However, some issues remain, such as fund misallocation and limited mentoring. The study highlights the importance of inclusive, fair, and Sharia-compliant financing for sustainable MSME development. Its originality lies in the integration of normative and empirical analysis of Rahn Tasjily practices in a non-bank institution, based on real client experiences.References
Abdullah, Muntu et al. 2021. “Analisis Kredit Usaha Rakyat (KUR) Bagi Pengembangan UMKM Di Kota Kendari (Studi Kasus Pada Bank Sultra).” Jurnal Akuntansi Dan Keuangan 6(2):27–36..
Aftitah, Fitri Nurul et al. 2025. “Pengaruh UMKM Terhadap Pertumbuhan Ekonomi Di Indonesia Pada Tahun 2023.” Jurnal Kajian Dan Penalaran Ilmu Manajemen 3(1):32–43.
Amalia, Khilda. 2024. “Pengaruh Pembiayaan Kredit Usaha Rakyat Terhadap Pendapatan Usaha Mikro Kecil Dan Menengah Di PT. Pegadaian Syari’ah Unit Karang Baru.” Journal of Economic, Bussines and Accounting (COSTING) 7(5):4206–20.
Angriani, Parida, and Erma Widyastuti. 2024. “Tinjauan Hukum Ekonomi Syariah Terhadap Kredit Usaha Rakyat (KUR) Syariah Pada Pegadaian Syariah Cabang Pasar Renteng Praya Lombok Tengah.” J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah Dan Budaya Islam 9(1):40–62. doi:
Azman, Nik Hadiyan Nik et al. 2025. “The Interconnectivity between Islamic Financial Literacy and Financial Sustainability: Evidence from Muslim Micro-Entrepreneurs in Malaysia.” Journal of Islamic Accounting and Business Research 16(4):791–810.
Buyondo, Hakimu. 2024. “Islamic Finance Principles and Performance of Micro, Small and Medium Enterprises (MSMEs) in Makindye Division Kampala District Central Uganda.” International Journal of Islamic and Middle Eastern Finance and Management 17(3):441–60. doi:
Doloksaribu, Ardin, and Putri A. Sihaloho. 2022. “Analisis Sistem Pemberian Kredit Modal Kerja Pada PT. Bank Rakyat Indonesia Kcp Kesawan Medan.” Journal of Economics and Business
Fauza, Muflihatul. 2023. “Implementasi Prinsip-Prinsip Dasar Ekonomi Islam Dalam Aktivitas Ekonomi.” Mumtaz: Jurnal Ekonomi Dan Bisnis Islam 2(2):2828–3848.
Fersi, Marwa, and Mouna Boujelbène. 2023. “Financial and Social Efficiency Analysis of Islamic Microfinance Institutions.” International Journal of Emerging Markets 18(4):931–57. doi:
Firdaus, R, and A. Makhtum. 2023. “Efektivitas Program Kredit Usaha Rakyat (KUR) Syariah PT. Pegadaian Untuk Pengembangan Usaha Mikro Kecil Menengah.” Ulumuna: Jurnal Studi Keislaman.
Firdaus, Rifqi, and Ahmad Makhtum. 2023. “Evektifitas Program Kredit Usaha Rakyat (KUR) Syariah PT. Pegadaian Untuk Pengembangan Usaha Mikro Kecil Menengah.” Ulumuna: Jurnal Studi Keislaman 9(2):236–63.
Hartanto, Agus et al. 2024. “A Bibliometric Analysis of Islamic Banking Sustainability: A Study Based on Scopus Scientific Database.” Journal of Islamic Marketing 15(9):2245–85. doi:
Khan, Abidullah et al. 2024. “Achieving Social Well-Being and Financial Inclusion Through Islamic Microfinance: A Case Study of Akhuwat Islamic Microfinance.” The Future of Islamic Finance 83–102.
Khan, S. A. 2024. “Digital Marketing (DM): How Are Small Business Enterprises (SBEs) of Bhutan and Sikkim (India) Responding to It?” Digital Influence on Consumer Habits: Marketing Challenges and Opportunities 135–45.
Kuswanto, Heri. 2019. “Pengambilalihan Hak Atas Jaminan (Eksekusi) Jaminan Fidusia Dan Rahn Tasjily Perspektif Hukum Positif Dan Hukum Islam.” Media Keadilan: Jurnal Ilmu Hukum 10(2):186–98.
Mansur, Marni et al. 2025. “Efektivitas Pembiayaan KUR Syariah Terhadap Perkembangan Industri Kreatif Di Kota Makassar.” Ash-Shahabah: Jurnal Pendidikan Dan Studi Islam 11(1):1–14. doi:
Mongkito, Abdul Wahid et al. 2021. “Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Syariah Dalam Pengembangan Usaha Mikro.” Robust: Research of Business and Economics Studies 1(1):91–104.
Nasution, Lokot ZeinLokot Zein Nasution. 2020. “Analisis Efektivitas Pembiayaan Mikro Syariah Bagi Pemberdayaan Masyarakat Miskin: Studi Pada Koperasi Mitra Manindo Mandailing Natal.” Marker: Jurnal Manajemen 6(2):117–133.
Nurdiati, Yeti. 2024. “Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perkembangan UMKM Binaan Dinas Koperasi Dan UMKM Kabupaten Lebak.” The Journalish: Social and Government 5(3):306–11.
Panjaitan, Irma Rahmawani, and Khairina Tambunan. 2022. “Implementasi Pembiayaan Kredit Usaha Rakyat (KUR) Mikro Syariah Dalam Pengembangan Usaha Mikro Di BSI KCP Perbaungan.” JIKEM: Jurnal Ilmu Komputer, Ekonomi Dan Manajemen 2(1):965–71.
Restiani, Vira et al. 2024. “Penyaluran Pembiayaan KUR Syariah Dalam Upaya Penambahan Modal Guna Keberlangsungan Usaha Mikro Kecil Menengah (UMKM) Pada PT. Pegadaian UPC Mare.” Mutiara: Multidiciplinary Scientifict Journal 2(5):385–402.
Rozi, Iqbal Fakhrur, and Lailatul Qadariyah. 2023. “Analisis Hukum Bunga Kredit Usaha Rakyat (KUR) Pada Kantor Cabang Pembantu (KCP) BRI Unit Kamal Bangkalan Ditinjau Dari Perspektif Maqashid Syariah.” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah
Rusnadia et al. 2024. “Strategi Pemasaran Produk KUR Syariah Dalam Upaya Meningkatkan Pendapatan PT Pegadaian Syariah Unit Bone.” Journal of Comprehensive Science (JCS) 3(8):4018–31.
Rusydiana, Aam Slamet, and Abrista Devi. 2018. “Mengembangkan Koperasi Syariah Di Indonesia: Pendekatan Interpretative Structural Modelling (ISM).” Economica: Jurnal Ekonomi Islam 9(1):1–23.
Safaruddin. 2024. “Implementasi Kredit Usaha Rakyat Perspektif Hukum Ekonomi Syariah Pada Unit Pegadaian Syariah (UPS) Panton Labu.” Al - Muamalat: Jurnal Hukum Dan Ekonomi Syariah 9(1):23–40.
Saifurrahman, Adi, and Salina Hj Kassim. 2024. “Regulatory Issues Inhibiting the Financial Inclusion: A Case Study among Islamic Banks and MSMEs in Indonesia.” Qualitative Research in Financial Markets 16(4):589–617.
Saputra, Bayu, and Muhammad Anis. 2021. “Tinjauan Hukum Islam Terhadap Akad Rahn Pada Pegadaian Syariah Di Indonesia.” El-Iqthisady : Jurnal Hukum Ekonomi Syariah 3(2):224–30.
Suryanto. 2019. “Analysis of People’s Business Credit in The Bank Rakyat Indonesia.” AdBispreneur : Jurnal Pemikiran Dan Penelitian Administrasi Bisnis Dan Kewirausahaan 4(2):113–22.
Trimulato et al. 2022. “Pelatihan Pembuatan Laporan Keuangan Bagi UMKM Binaan Lapak Berkah Lembaga IZI Makassar.” Medani : Jurnal Pengabdian Masyarakat 1(1):1–15.
Ulandari, Anisa et al. 2024. “Peran Pembiayaan Mikro Syariah Dalam Pengembangan Perdagangan Di Kehidupan Masyarakat.” Journal of Economics and Business 2(1):51–59.
Yudha, A., and L. M. Damailani. 2023. “Implementasi Strategi Bersaing PT Pegadaian (Persero) Cabang Rembang Terhadap Tingginya Pinjaman Online Ilegal.” Kompeten: Jurnal Ilmiah Ekonomi Dan Bisnis 2(2):529–34.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Rizkyanti Rizkyanti, Damirah, Nurfadhilah, Musmulyadi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
