(untitled) (Causa: Jurnal Hukum dan Kewarganegaraan, 2025)
Penelitian ini bertujuan untuk mengevaluasi kebijakan pemerintah dalam menanggulangi praktik gadai ilegal di Indonesia dan mengidentifikasi faktor sosial yang mempengaruhi maraknya praktik tersebut. Penelitian ini menggunakan metode pendekatan deskriptif analitis dengan pengumpulan data primer melalui wawancara mendalam. Hasil penelitian menunjukkan bahwa meskipun telah ada regulasi seperti Peraturan OJK Nomor 31/POJK.05/2016, implementasinya masih menghadapi berbagai tantangan, termasuk lemahnya pengawasan, rendahnya kesadaran masyarakat, dan keterbatasan akses ke lembaga keuangan formal. Selain itu, faktor sosial seperti kebutuhan ekonomi mendesak dan rendahnya literasi keuangan turut berkontribusi terhadap maraknya praktik gadai ilegal. Oleh karena itu, diperlukan evaluasi kebijakan yang lebih komprehensif dan pendekatan yang mempertimbangkan aspek sosial masyarakat untuk menanggulangi praktik gadai ilegal secara efektif. Kata kunci : Gadai, OJK, Ilegal. Abstract This study aims to evaluate government policies in addressing illegal pawn practices in Indonesia and to identify the social factors contributing to the prevalence of such practices. The research employs a descriptive-analytical approach, utilizing primary data collected through in-depth interviews. The findings indicate that although regulations such as Financial Services Authority Regulation (POJK) Number 31/POJK.05/2016 have been established, their implementation still faces various challenges, including weak oversight, low public awareness, and limited access to formal financial institutions. In addition, social factors such as urgent economic needs and low financial literacy further contribute to the widespread occurrence of illegal pawning. Therefore, a more comprehensive policy evaluation is needed, along with an approach that takes into account the social context of society, in order to effectively address the issue of illegal pawning. Keywords: Pawn, Financial Services Authority, Illegal.