Perceptions of the Community in Partihaman Saroha Village Padangsidimpuan Hutaimbaru Subdistrict Regarding Sharia Pawnshop
Keywords:
Community Perception, Financial Literacy, Service Utilization, Sharia Pawnshop, Sharia Principles.Abstract
Community members in Partihaman Saroha Village, Padangsidimpuan Hutaimbaru Subdistrict, generally recognize Sharia Pawnshops, yet actual use remains limited because product knowledge, procedural understanding, and service familiarity are uneven. This study aimed to analyze community perceptions of Sharia Pawnshops, including awareness, product understanding, perceived usefulness, interest, Sharia considerations, service experience, and future intention. A descriptive qualitative field research design was employed through observation, structured interviews, and documentation involving 20 community members from varied occupational backgrounds. The findings show that 17 informants knew of Sharia Pawnshops, but only 7 understood the available products. Twelve informants considered the institution helpful for urgent financial needs, 11 expressed interest in using its services, and 15 believed that Sharia Pawnshops do not operate through riba. Actual utilization was much lower, as only 3 informants had used the services, while 17 had never done so. The three users reported positive experiences concerning speed, manageable procedures, and Sharia-compliant mechanisms, and all intended to reuse the services. The study concludes that positive perception does not automatically translate into utilization because limited product literacy and insufficient direct socialization remain significant barriers. Stronger outreach and product education are required to improve informed community engagement with accessible Sharia-based pawnshop services in practice.
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