Rekonstruksi Regulasi Pegadaian Syariah Pasca Pojk No. 29 Tahun 2025: Analisis Kualitatif Terhadap Inklusi Keuangan Masyarakat Mikro
Kata Kunci:
Pegadaian Syariah, POJK No. 29/2025, Inklusi Keuangan, Regulasi Syariah, Transformasi Digital, Masyarakat Mikro, DSN-MUIAbstrak
Penelitian ini bertujuan menganalisis rekonstruksi regulasi pegadaian syariah pasca terbitnya Peraturan Otoritas Jasa Keuangan (POJK) Nomor 29 Tahun 2025 serta dampaknya terhadap inklusi keuangan masyarakat mikro di Indonesia. Menggunakan pendekatan kualitatif-deskriptif-tematik, kajian ini mensintesis literatur akademik, regulasi terbaru, dan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) untuk mengidentifikasi peluang dan tantangan dalam implementasi regulasi baru tersebut. Temuan menunjukkan bahwa POJK No. 29/2025 membawa perubahan signifikan dalam harmonisasi fatwa syariah, penguatan Dewan Pengawas Syariah (DPS), transformasi digital layanan pegadaian, serta perluasan literasi keuangan bagi pelaku usaha mikro, kecil, dan menengah (UMKM). Namun, ambiguitas filosofi hukum dalam kontrak rahn, fragmentasi institusional antara OJK dan DSN-MUI, serta kesenjangan infrastruktur digital masih menjadi hambatan utama bagi terwujudnya inklusi keuangan yang komprehensif dan merata. Penelitian ini merekomendasikan kodifikasi fatwa DSN-MUI ke dalam regulasi yang mengikat secara hukum, penguatan independensi DPS, investasi infrastruktur digital inklusif, dan penegakan regulasi di sektor pegadaian informal sebagai langkah strategis menuju tata kelola keuangan syariah yang lebih adaptif dan berkelanjutan.
Unduhan
Referensi
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