Pengaruh Biaya Ijarah terhadap Keputusan Nasabah Melakukan Gadai Emas di Pegadaian Syariah

Noviyanti Kausari

Authors

Noviyanti Kausari Universitas Islam Negeri Ar-Raniry Banda Aceh Author

Abstract

This study is motivated by the limited research on the influence of ujrah (leasing fees) on customer decision-making, despite its significant impact on consumer behavior and financial access in Islamic pawn services. The study aims to measure the effect of biaya ijarah on the decision of customers to use gold pawn services at Pegadaian Syariah. The research adopts a quantitative design, with a sample of 100 customers selected through purposive sampling. Data was collected using structured questionnaires and analyzed through simple linear regression. The findings reveal that biaya ijarah has a significant and positive influence on customer decisions, indicating that reasonable and transparent leasing costs encourage customer retention and participation. These results align with the research objectives and support behavioral economic theory in the Islamic finance context, particularly in price sensitivity and service utilization. The study concludes that transparent and competitive ujrah plays a critical role in shaping customer preferences and increasing the attractiveness of Islamic pawn products. The implications encompass theoretical contributions, such as advancing the literature on Islamic consumer behavior and ujrah-based financing, and practical recommendations for financial institutions to improve pricing strategies, strengthen socialization of sharia-compliant fees, and enhance customer service. Additionally, this study identifies future research opportunities on the combined effects of ujrah, service quality, and trust in the long-term loyalty of sharia customers.

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