Impact of Sharia Pawn Product Distribution on Asset Growth and Economic Development

Authors

  • Iwan Permana Sharia Faculty Universitas Islam Bandung
  • Popon Srisusilawati Sharia Faculty Universitas Islam Bandung, Indonesia
  • Irma Yulita Silviany Sharia Faculty Universitas Islam Bandung
  • Uus Putria Islamic Economic Law Study Program, STAI Siliwangi Bandung, Indonesia

DOI:

https://doi.org/10.24252/lamaisyir.v13i1.66500

Keywords:

Sharia pawn, product distribution, asset growth, economic development, Islamic finance

Abstract

This study examines the impact of Sharia pawn product distribution on company asset growth and community economic development across different regions in Indonesia. The research is motivated by the increasing role of Islamic financial institutions in promoting financial inclusion and supporting microeconomic activities. A quantitative approach with a comparative regional design was employed, involving 420 respondents from Pegadaian Syariah branches in Bandung, Surabaya, Tegal, and Pasuruan. Data were collected using questionnaires and supported by secondary financial and regional economic data. The analysis was conducted using multiple regression and ANOVA techniques. The results show that the distribution of Sharia pawn products has a positive and significant effect on both company asset growth and community economic development. Among the independent variables, accessibility has the strongest influence, followed by Sharia compliance and product variety. Additionally, regional differences were identified, with urban areas demonstrating stronger impacts due to better infrastructure and higher financial literacy. These findings imply that enhancing accessibility, strengthening Sharia compliance, and improving financial literacy are essential strategies to optimize the role of Sharia pawn institutions in achieving both financial performance and inclusive economic growth.

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Published

2026-06-30

How to Cite

Permana, I., Srisusilawati, P., Silviany, I. Y., & Putria, U. (2026). Impact of Sharia Pawn Product Distribution on Asset Growth and Economic Development . LAA MAISYIR : Jurnal Ekonomi Islam, 13(1). https://doi.org/10.24252/lamaisyir.v13i1.66500

Issue

Vol. 13 No. 1 (2026)

Section

Artikel

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