Tantangan Praktis dalam Implementasi Musharakah pada Pegadaian Syari’ah

Abstrak

The implementation of musharakah-based financing in Islamic pawnshops faces a number of practical challenges. Although musharakah, as a profit-sharing scheme, is in line with sharia principles and offers the potential for fairer financing compared to debt-based models, its application is still minimal in Islamic pawnshops in Indonesia. This study aims to explore the practical challenges faced by the Islamic pawnshop branch of Metro City in implementing the musharakah contract. This study shows that the main challenges in implementing musharakah include the need for special expertise in profit-sharing risk management, as well as a lack of understanding from customers and institutions about the musharakah mechanism. In addition, banks often have difficulty in carrying out the monitoring needed to ensure transparency and accountability on the part of business partners. This study uses a case study method at the Islamic Pawnshop branch of Metro City, Lampung, then in-depth interviews with various stakeholders in Islamic pawnshops to identify practical obstacles and potential solutions that can be adopted. The results of the study indicate the importance of risk mitigation strategies, increasing human resource capacity, and educating customers about profit-sharing financing. With these steps, it is hoped that the implementation of musharakah can be more optimal and contribute positively to the growth of the sharia economic sector in the Sharia pawnshops of Metro City.