PERCEPTION OF THE PUBLIC TOWARD SHARIA PAWNING (RAHN) PRODUCTS AS A FINANCIAL ALTERNATIVE
Keywords:
Keywords, Islamic Pawn, Rahn, Public Perception, Financial Alternative, Financial InclusionAbstract
ABSTRACT
This study aims to analyze public perception of Islamic pawn (rahn) products as a financial alternative. The research employs a quantitative approach, with surveys as the primary data collection instrument. The findings reveal that the public perceives Islamic pawn products as a fair and Sharia-compliant solution, especially for those with limited access to conventional financial institutions. Key factors influencing acceptance include public understanding of the rahn concept, trust in Islamic institutions, and operational transparency. This study aims to provide recommendations for Islamic financial institutions to enhance public literacy and trust in rahn as part of financial inclusion.
Keywords: Islamic Pawn, Rahn, Public Perception, Financial Alternative, Financial Inclusion
References
Ahmed, H. (2011). Product Development in Islamic Banks. Edinburgh: Edinburgh University Press.
Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani Press.
Ascarya, A. (2019). Akad dan Produk Keuangan Syariah. Jakarta: Bank Indonesia Institute.
Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. Leicester: Islamic Foundation.
Dusuki, A. W. (2011). Principles and Objectives of Islamic Finance. Kuala Lumpur: IBFIM.
El-Gamal, M. A. (2006). Islamic Finance: Law, Economics, and Practice. Cambridge: Cambridge University Press.
Hidayat, S. E., & Abduh, M. (2012). Perception of Non-Muslims Towards Islamic Banking in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 5(3), 242-256.
Karim, A. A. (2004). Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: Raja Grafindo Persada.
Khan, T. & Ahmed, H. (2001). Risk Management: An Analysis of Issues in Islamic Financial Industry. Jeddah: Islamic Research and Training Institute.
Mannan, M. A. (1990). Islamic Economics: Theory and Practice. Lahore: Sh. Muhammad Ashraf.
Rahman, F. (2012). Understanding Islamic Ethics and Its Significance on the Character Building. International Journal of Social Science and Humanity, 2(6), 484-489.
Rosly, S. A. (2010). Shariah Parameters Reconsidered: Issues in Islamic Banking and Finance. Kuala Lumpur: Islamic Banking and Finance Institute Malaysia.
Siddiqi, M. N. (1981). Economics of Profit Sharing. Leicester: Islamic Foundation.
Usmani, M. T. (1999). An Introduction to Islamic Finance. Karachi: Idaratul Ma’arif
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah
This work is licensed under a Creative Commons Attribution-NoDerivatives 4.0 International License.
