The role of digital gold pawn services in encouraging financial inclusion of the unbanked community: A systematic literature review
DOI:
https://doi.org/10.61511/ghde.v2i2.2025.3415Keywords:
gold mortgage, Financial Inclusion, pawnshop, unbanked communities, financial digitalizationAbstract
Background: A number of studies show that asset-based financing, such as gold pawning, can be part of financial inclusion. This study aims to analyze the influence of Pegadaian’s gold pawn services via the TRING application on the financial inclusion of the unbanked community compared with formal banking in Indonesia. Methods: This study uses the systematic literature review (SLR) method by analyzing journal articles obtained from Scopus and Google Scholar in the 2022–2025 period systematically using the PRISMA model and the PICOS framework, so that 22 articles were obtained that were analyzed based on the financial inclusion framework and asset-based financing. Findings: The study shows that digitalization through the TRING application increases financial participation, despite the impact of financial literacy, as it depends on users’ digital literacy. These findings strengthen the theory of financial inclusion and affirm the role of gold pawns as a financial inclusion instrument to formal banking. Conclusion: This study concludes that integrating asset-based financing with digital service delivery is an effective strategy for accelerating equitable financial inclusion in Indonesia. Novelty/Originality of this article: The novelty of this research lies in the synthesis of the PICOS framework, which specifically compares the role of digital gold pawns and formal banking in encouraging financial inclusion of the unbanked community in Indonesia.
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