Dinamika Rahn: Mengungkap Faktor-faktor Pendorong Pertumbuhan Praktik Illegal dalam Industri Gadai di Indonesia
DOI:
https://doi.org/10.30651/jms.v9i4.23163Abstract
Masalah dalam industri gadai di Indonesia melibatkan praktik gadai illegal yang masih marak meskipun sudah ada regulasi. Maka, tujuan penelitian ini adalah untuk mengetahu masalah dan faktor-faktor yang mendorong pertumbuhan praktik illegal dalam industry gadai di Indonesia. Pendekatan kualitatif ini melalui pengembangan kasus yang bersumber dari literatur, media massa, dan data-data pergadaian dari Otoritas Jasa Keuangan (OJK). Hasil penelitian menunjukkan Peraturan OJK Nomor 31/POJK.05/2016 bertujuan meningkatkan standar operasional dan transparansi, serta mencegah praktik gadai illegal dengan menetapkan persyaratan ketat terkait perizinan, barang jaminan yang sah, dan prosedur penjualan barang jaminan yang transparan. Namun, banyak entitas gadai menolak mengurus perizinan karena dianggap memberatkan. Faktor pendorong lain adalah kurangnya kesadaran mengenai regulasi dan lemahnya penegakan hukum serta pengawasan. Praktik gadai illegal merugikan konsumen, industri pergadaian resmi, dan upaya pemerintah dalam menciptakan sistem keuangan yang sehat, serta melanggar prinsip syariah. Untuk mengatasi masalah ini, OJK dan Satgas PASTI telah memblokir banyak entitas illegal dan meningkatkan edukasi keuangan, menunjukkan komitmen berkelanjutan dalam mengatasi praktik gadai illegal.
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