The ANALYSIS OF THE APPLICATION OF THE PEGADAIAN SYARIAH DIGITAL SERVICE (PSDS) APPLICATION INFORMATION SYSTEM
DOI:
https://doi.org/10.5281/zenodo.12542983Anahtar Kelimeler:
Sharia Financial Technology, Sharia PawnshopÖzet
The development of digital technology has driven transformation in the Islamic financial industry, including Pegadaian Syariah. To face competition and meet customer demand for fast and easily accessible services, Pegadaian Syariah launched the Pegadaian Syariah Digital Service (PSDS) application. This study aims to analyze the implementation of PSDS, evaluate its effectiveness and impact, and identify the challenges and obstacles faced.The research method used is a qualitative approach with data collection techniques through in-depth interviews, observation, and documentation studies. Data were obtained from Pegadaian Syariah management, employees, and PSDS user customers.The results showed that the implementation of PSDS provides benefits such as increased comfort and convenience for customers, expansion of service coverage, operational efficiency, and a modern corporate image. However, the challenges faced include aspects of data security, customer education, technical constraints, and compliance with sharia principles in digital transactions.Recommendations include increasing efforts to socialize and educate customers, strengthening data security systems, improving service quality and application features, and implementing continuous monitoring and evaluation mechanisms to ensure compliance with sharia principles.
Keyword; Pegadaian Syariah, Sharia Financial Technology, and PSDS
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