User Acceptance of Gold Pawn Application in Syariah Bank
Penerimaan Pengguna Terhadap Aplikasi Gadai Emas di Bank Syariah
DOI:
https://doi.org/10.21070/ijis.v13i4.1787Keywords:
Gold Pawn, UTAUT, Islamic Banking, Technology Adoption, User AcceptanceAbstract
General Background: The integration of information technology (IT) in Islamic banking has transformed operational processes, particularly in financing services such as gold pawning. Specific Background: Bank Syariah X implemented the E-Steem application to streamline assessment, analysis, and disbursement processes in gold pawns while ensuring compliance with Sharia principles. Knowledge Gap: Despite technological adoption, limited research has explored how user perceptions and acceptance affect system utilization in Islamic pawn financing. Aims: This study investigates user acceptance of the E-Steem application using the UTAUT model, focusing on performance expectancy, effort expectancy, social influence, and facilitating conditions. Results: Findings indicate that these four UTAUT factors collectively shape user acceptance, accelerating pawn processes, reducing errors, and enhancing transparency. Novelty: This research uniquely combines qualitative descriptive methods with UTAUT analysis in a Sharia-compliant pawn context. Implications: Understanding user acceptance provides guidance for optimizing IT systems in Islamic financial services, promoting operational efficiency and regulatory compliance.
Highlights:
-
Four UTAUT variables shape user adoption in Sharia-compliant pawns.
-
E-Steem accelerates pawn processes and reduces operational errors.
-
Findings guide IT optimization in Islamic financial services.
Keywords: Gold Pawn; UTAUT; Islamic Banking; Technology Adoption; User Acceptance
References
[1] F. Hariyati, F. Abdi, and M. E. Baining, “Efektivitas Aplikasi PSDS (Pegadaian Syariah Digital Service) Dalam Meningkatkan Jumlah Nasabah,” Indonesian Journal of Islamic Economics and Business, vol. 5, no. 1, pp. 61–69, 2020.
[2] M. Ramin and M. Ali Wafa, “Penerapan Multi Akad Dalam Kontrak Gadai Di Bank Jatim Syariah Capem Sampang,” Jurnal Ekonomi dan Perbankan Syariah, vol. 1, no. 1, pp. 18–34, 2022, doi: 10.32806/ccy.v1i1.225.
[3] N. Anam and N. Kulsum, “Pengaruh Pengetahuan dan Pemasaran Terhadap Minat Nasabah Pada Produk Gadai Emas,” Jurnal Perbankan Syariah, 2022, doi: 10.46367/jps.v3i2.759.
[4] Novita, “Efektivitas Implementasi Multi Akad Produk Gadai Emas Dalam Upaya Peningkatan Pendapatan Ekonomi Masyarakat,” 2023.
[5] R. E. Rahmawati and M. R. Maika, “Penerapan Model UTAUT Terkait Akseptasi Mahasiswa Terhadap Cashless Payment di Masa Pandemi COVID-19,” Jurnal Ekonomi Modernisasi, vol. 17, no. 1, pp. 1–14, 2021, doi: 10.21067/jem.v17i1.5228.
[6] N. L. Putri, “Aplikasi Gadai Syariah Dalam Perbankan Syariah,” Adzkiya, vol. 7, no. 2, pp. 279–294, 2019.
[7] R. Priyadi, A. Daryanto, and I. Hermadi, “Perilaku Penggunaan Portal E-Office di Bank XYZ Dengan Pendekatan Model UTAUT,” Jurnal Aplikasi Bisnis dan Manajemen, vol. 3, no. 2, pp. 185–195, 2017, doi: 10.17358/jabm.3.2.185.
[8] A. Permata, A. Ali, and O. Sabilla, “Determinan Penggunaan Aplikasi Audit Tools and Linked Archive System (ATLAS.ti) pada Kantor Akuntan Publik di Yogyakarta,” Jurnal Manajemen, vol. 13, no. 3, pp. 558–565, 2024, doi: 10.31959/jm.v13i3.2412.
[9] Sugiyono, Metode Penelitian Kuantitatif, Kualitatif, dan R&D, 2017.
[10] Wahidmurni, “Pemaparan Metode Penelitian Kualitatif,” Jurnal Akuntansi, vol. 11, pp. 1–17, 2017.
[11] D. Firmansyah and Dede, “Teknik Pengambilan Sampel Umum dalam Metodologi,” Jurnal Ilmiah Pendidikan Holistik, vol. 1, no. 2, pp. 85–114, 2022, doi: 10.55927/jiph.v1i2.937.
[12] A. Arta, Z. F. A. Rohmah, Q. Huda, and D. Nurrohman, “The Role of Regulation as a Legal Basis for the Growth of Islamic Financial Institutions in Indonesia: Opportunities and Challenges,” Jurnal Ekonomi Syariah dan Bisnis, vol. 7, no. 1, pp. 1–13, 2024, doi: 10.31949/maro.v7i1.5792.
[13] A. R. Barri, “Gadai Emas pada Lembaga Keuangan Syariah,” Al-Kharaj Journal of Islamic Economic and Business, vol. 1, no. 2, pp. 82–95, 2020, doi: 10.24256/kharaj.v1i2.1056.
[14] A. S. Nasution, E. Siddik, and I. Hermawan, “E-Mas BSI Mobile: Kajian Literatur Sistematis,” Jurnal Ilmu Manajemen dan Kewirausahaan, vol. 4, no. 1, 2023, doi: 10.32696/jimk.v4i1.3128.
[15] A. K. J. Joni, “Analisis Mekanisme Akad Rahn, Qardh dan Ijarah Pada Produk Pembiayaan Mitra Emas IB Maslahah: Studi Kasus Di BJB Syariah KCP Ciamis,” Eco-Iqtishodi Jurnal Ilmu Ekonomi dan Keuangan Syariah, vol. 3, no. 1, pp. 1–10, 2021.
[16] M. F. Hibatullah, “Analisis Implementasi Rahn, Qardh dan Ijarah pada Transaksi Gadai Emas PT. Bank Syariah Indonesia,” Journal Sains Student Research, vol. 2, no. 1, pp. 2–10, 2024, doi: 10.61722/jssr.v2i1.537.
[17] A. Elvina and I. Indra, “Strategi Pemasaran Produk Gadai Emas dalam Menarik Minat Nasabah pada Bank Syariah Indonesia KCP Medan Marelan Raya,” Ekonomi Bisnis Manajemen dan Akuntansi, vol. 3, no. 1, 2022, doi: 10.36987/ebma.v3i1.2772.
[18] H. Abidin, I. Mukhlis, and A. N. Zagladi, “Multi-Method Approach for Qualitative Research: Literature Review with NVivo 12 Pro Mapping,” Kalam Cendekia Jurnal Ilmu Kependidikan, vol. 11, no. 3, 2023, doi: 10.20961/jkc.v11i3.80748.
[19] S. Ayem, E. K. Cahyaning, I. Ramadhan, M. Nurlitawati, H. Langkodi, and F. A. Trasno, “Faktor-Faktor yang Mempengaruhi Behavioral Intention Terhadap Penggunaan Digital Payment: Systematic Literature Review,” Jurnal Pendidikan Ekonomi, vol. 12, no. 2, pp. 196–206, 2024, doi: 10.26740/jupe.v12n2.p196-206.
[20] K. T. R. A. Aljuned, “Strategi Pemasaran Produk Digital Gadai Emas dalam Meningkatkan Nasabah pada BSI KCP Padang Bulan,” Jurnal Ilmiah Ekonomi dan Manajemen, vol. 2, no. 1, pp. 191–197, 2024, doi: 10.61722/jiem.v2i1.685.
Downloads
Published
Issue
Section
Categories
License
Copyright (c) 2025 Indah Kurnia Anggraeni, Diah Krisnaningsih
This work is licensed under a Creative Commons Attribution 4.0 International License.
