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This study aims to analyze and compare the implementation of the rahn contract at Pegadaian Syariah and Bank Syariah from the perspectives of sharia compliance and customer satisfaction. Using a qualitative approach with in-depth interviews with 15 informants, consisting of institution management, sharia supervisors, and customers, the study found that Pegadaian Syariah excels in service aspects, cost transparency, and process convenience, resulting in higher customer satisfaction. On the other hand, Bank Syariah stands out in terms of internal supervision and collateral security, although its administrative process is more complex. Both institutions have adhered to sharia principles in accordance with DSN-MUI fatwas, but there are differences in the technical implementation and service strategies. This study highlights the importance of synergy between service efficiency and sharia compliance in managing rahn products, and contributes to the development of more inclusive and sustainable sharia pawn practices in Indonesia. The findings are expected to provide guidance for sharia financial institutions in improving service quality while maintaining sharia principles.

 This research was conducted with the following objectives: (1) To understand the implementation process of the Kredit Cepat Aman (KCA) service program by PT Pegadaian Pangkep Branch, and (2) To assess the quality of service in the implementation of the KCA pawn program by PT Pegadaian Pangkep Branch. This study used two research approaches, namely qualitative and quantitative. The data for the qualitative approach consisted of observation and interview results with research subjects, which were in the form of written or verbal descriptions from observed individuals and actors. Meanwhile, the data for the quantitative approach came from questionnaires and calculations presented in tabular form, processed using Microsoft Excel. The data collection techniques included observation, interviews, questionnaires, and literature study. The results of this study show that: 1) The implementation of the Quick and Safe Credit (KCA) program at PT Pegadaian Pangkep Branch has been carried out properly and in accordance with the standards set by the company, 2) The quality of service, which includes the dimensions of tangibles, reliability, responsiveness, assurance, and empathy, has been met, with 86% of respondents (37 people) selecting the "strongly agree" option on the Likert scale. This score indicates that the service quality at PT Pegadaian Pangkep is in the very good category.

This study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.  

This study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.

This research explores the strategic positioning of Pegadaian UPC Ajibarang’s products using the Boston Consulting Group (BCG) matrix as a tool for evaluating market performance and future potential. Pegadaian plays a crucial role as a microfinance institution by offering accessible financial solutions such as gold/jewelry pawning, gold savings (digital and physical), installment-based precious metal purchases, electronic pledging, KUR based on vehicle ownership documents, and Hajj savings plans. The study employs a qualitative descriptive approach, gathering insights from comprehensive interviews with both employees and customers. Findings indicate that each product faces unique obstacles and opportunities. Key challenges include customer dissatisfaction regarding service quality, limited adoption of cashless transactions by elderly clients, and traditional promotional methods relying on brochures and word-of-mouth. By mapping products based on market share and growth prospects through the BCG matrix, the study identifies which offerings should be prioritized for development, stability, or rebranding. In response, it is recommended that Pegadaian UPC Ajibarang enhance its marketing and customer service strategies, broaden digital engagement efforts, and introduce user-friendly technological solutions for older clientele. These steps are essential to strengthen competitiveness and ensure long-term sustainable growth for their most promising financial products.

In the current digital era, digital Islamic pawnshops have emerged as increasingly relevant financial solutions for society, despite encountering challenges such as inadequate infrastructure, low levels of digital literacy, and technical difficulties. This study aims to examine the obstacles and advantages of digital Islamic pawnshops in promoting financial inclusion in Indonesia. Using a qualitative approach through literature analysis, this research identifies legal and technical issues associated with the implementation of digital Islamic pawnshops. The results highlight that while these pawnshops offer time and cost efficiency, challenges like limited internet accessibility, poor technological awareness, and security vulnerabilities must be resolved. Recommendations include enhancing digital infrastructure, providing comprehensive education, and strengthening security measures to broaden access and improve the quality of digital Islamic pawnshop services.  

Service quality, brand image, customer satisfaction, customer loyalty, pawnshop Abstract. This study aims to examine the influence of service quality, brand image and customer satisfaction on customer loyalty at PT. Pemalang branch pawnshop (case study on UPC Ulujami. The population in this study is customers of PT. Ulujami branch pawnshop totaling 1250 people with a research sample of 95 people. Data collection was carried out by means of interviews and questionnaires.the analysis technique used in this researcher is multiple linear regression using the SPSS (Statistical Product and Service Solutions) version 22 program used to analyze the data. Based on the results of this study, it shows that (1) service quality has a significant effect on customer loyalty. (2) Brand image affects customer loyalty. (3) Customer satisfaction has a significant effect on customer loyalty. (4) Service quality, brand image and customer satisfaction

The aim of this research is to determine "the influence of deposit fees (ujrah) and service quality on gold pawn customer satisfaction at the Bukittinggi Syariah Pegadaian". This investigation uses quantitative methodology, specifically an associative approach. The sample size is determined by the size of the population; because the number of individuals in the population was less than 100, the entire sample was used. Primary data was collected from respondents through distributing questionnaires. Meanwhile, multiple linear regression, classical assumption testing, and hypothesis testing were used to analyze the data. The results of hypothesis testing show that gold pawn customer satisfaction at sharia pawnshops is influenced simultaneously by the variables of service quality and deposit fees (ujrah). This is supported by a significant value of 0.025 <0.05. With a value of 0.042 <0.05, the service quality variable has a partially significant effect on consumer satisfaction with gold pawning at sharia pawnshops. With a significance level of 0.020 <0.05, the deposit cost variable (ujrah) has a significant effect on consumer satisfaction with gold pawning at sharia pawnshops. Based on the findings of this research, it can be concluded that service quality and deposit fees (ujrah) influence consumer satisfaction with gold pawning at sharia pawnshops by 10.9%. The remaining 89.1% is caused by foreign variables.

This research is motivated by the influence of gold price fluctuations on customer decisions to transact at Pegadaian (Case Study of Simpang Empat Pegadaian). With the aim of knowing how influential gold price fluctuations are on customer decisions to transact at Simpang Empat Pawnshop. This research uses quantitative methods. The population in this study were Simpang Empat Pawnshop customers. The data collection technique used was by filling out a questionnaire distributed to 91 customers who were sampled. The data used were obtained from primary data and secondary data. The data analysis technique uses simple linear regression analysis. From the test conducted, H0 is rejected while H1 is accepted with an F table value of 12.954 (f count 12.954> f table 3.947) and a significant level of 0.00. This shows that there is a positive and significant effect of the gold price fluctuation variable (X) on customer transaction decisions (Y) Simpang Empat Branch Pawnshop. It can be concluded that the results of this study are in line with previous research, proving that the variable influence of gold price fluctuations has a positive and significant effect on the variable customer transaction decisions at Pegdaian (Case Study of Simpang Empat Pegadaian). What distinguishes it from previous research or previous researchers is the year of research, several data processing methods and the place of research. For the Simpang Empat Pegadaian institution, as an institution that operates in the field of pawnshop services, which cannot be separated from the financial system, of course this research will be very helpful for developing quality and as a reference for becoming a better institution and making customer decisions to transact at Simpang Empat Pegadaian is the right decision.

PT. Pegadaian (Persero) is a non-bank financial institution which is legally permitted to carry out credit financing on the basis of pawn law. PT. Pegadaian is currently carrying out transformation in the digital world by creating a web-based application called "Pegadaian Digital Service (PDS)". Pegadaian Digital Service (PDS) is a web-based pawnshop service to facilitate customer service in transactions. This research uses a qualitative approach with descriptive methods. The purpose of this research is to determine the use of the Pegadaian Digital Service (PDS) application to facilitate customer transaction services. The results of this research show that the use of the digital Pegadaian application makes customer service easier in transactions. However, it is still not running effectively in terms of facilities so it must be further improved which will have an impact on the quality of service.  

This study aims to determine the impact of the Covid-19 pandemic on service users at PT. Pawnshop Sharia Sarolangun short market. This research is a qualitative descriptive study, with data collection methods namely interviews, observation and documentation and using data analysis techniques namely data reduction, data presentation and drawing conclusions. Informants in this study are employees and customers who are involved. The results of this study indicate that the covid-19 pandemic has had little impact on service users at PT. Pegadaian Syariah Pasar Singkut Sarolangun, this is because during the covid-19 pandemic many people were less stable in the economy which was caused by several policies set by the government in order to eradicate the spread of the covid-19 virus. PT. Pegadaian Syariah Pasar Singkut Sarolangun provides the best possible effort to provide good service and in accordance with health procedures that have been established during the Covid-19 pandemic. This can be seen from the several dimensions that have been described, namely security, service quality, guarantees provided and employee responsiveness which is always paid attention to by PT. Sharia Pegadaian Pasar Singkut Sarolangun.

This research investigates the impact of service quality on customer satisfaction at PT. Pawnshop. Through analysis of survey data, it was found that service quality, including responsiveness, reliability, assurance, empathy, and physical evidence, positively influences customer satisfaction. These results provide insight for PT. Pawnshops to improve their services, strengthen ties with customers, and increase customer satisfaction. The type of research used in this research is qualitative research with descriptive methods. The descriptive method is considered suitable for explaining the influence of service quality on customer satisfaction at PT. Pawnshop. The data in this research report was obtained in accordance with books, journals, articles, theses, the internet and so on related to the research topic. The results of the research and discussion can be concluded from the five dimensions of service quality, the most important dimension for customers is guarantee, because customers prioritize security, comfort and trust in transactions with PT. Pawnshop. Conclusion This research has the implication that PT. Pegadaian must maintain and improve service quality to achieve higher customer satisfaction. PT. Pegadaian must also strengthen relationships with customers by providing services that are in line with customer expectations and needs                                                                              

Gold Savings is a gold balance deposit service that makes it easier for people to invest in gold savings. Gold savings are one type of investment that is in great demand by the public. This study aims to determine whether or not there is an effect of income, knowledge and quality of service on customer interest in saving gold. This research method is quantitative with multiple linear regression analysis as the analysis tool. The population in this study was 336 respondents, the sample was determined using the slovin formula, the sample in this study was 77 respondents and this research was conducted on customers of the Sharia Pawnshop Unit of UIN Sulthan Thaha Saifuddin Jambi. The results of this study indicate that the results of the F-test of income, knowledge and service quality variables together have a significant effect on customer interest in saving gold, by t-test income does not significantly affect customer interest in saving gold, knowledge has a significant effect on customer interest. saving gold and service quality significantly influence customer interest in saving gold.