| Summary: | Pawn services in Indonesia has transformed from a traditional financing institution which particularly work within small and medium enterprise to a wider financial institution that include mortgage, investment, parcel delivery services, custody as well as gold trading. Yet it raises question how is the development o.!pawn services in practice in regards to the objective of pawn institution as afinancial alternative. In additon, it also leads to the question how the proper regulation concept is in the future. Research shows that pawn services, particularly sharia pawn services in gold, turns to be a speculative investment. Hence, future regulation concerning pawn services should be able to achieve the objective of pawn services as a tool of economic development.
Jasa pegadaian di Indonesia bertransformasi dari semula sebagai lembaga pembiayaan masyarakat, khususnya UMKM meluas menjadi lembaga yang juga melayani fidusia, investasi, pengiriman dan penerimaanbarang, penitipandanjual beli logammulia. Permasalahanyang akan ditelitiadalahbagaimana perkembangan praktik gadai apabila dikaitkan dengan tujuanpranata gadai sebagai altematif pembiayaan dan bagaimanakah konsep pengaturan gadai di masa datang guna mewujudkan fungsi gadai sebagai altematif pembiayaan. Berdasarkan hasil penelitian diperoleh hasil bahwa praktik pegadaian, khususnya gadai emas syariah bergeser menjadi investasi yang spekulatif. Oleh karena itu regulasi pergadaian sangat diperlukan. Regulasi pergadaian di masa datang harns mampu menjadikanpranata gadai sebagai altematif pembiayaan guna menggerakkan perekonomian.
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