Meningkatnya kebutuhan masyarakat akan lembaga yang dapat memberikan solusi keuangan melalui sistem gadai aman dan terpercaya sejalan dengan kompleksitas masalah hukum yang menyertainya, seperti terjadinya kerusakan jaminan gadai. Tujuan penelitian untuk mengetahui pengaturan perlindungan hukum jika terjadi kerusakan jaminan gadai, dan perlindungan hukum yang diberikan kepada nasabah jika terjadinya kerusakan jaminan gadai di PT. Pegadaian (Persero). Penelitian ini menggunakan deskriptif analitis, metode pendekatan yuridis normatif, tahap penelitian studi kepustakaan dan studi lapangan, teknik pengumpulan data primer dan sekunder serta alat pengumpul data dengan studi kepustakaan. Hasil penelitian menunjukan pengaturan gadai diatur dalam Kitab Undang-Undang Hukum Perdata Pasal 1150-1160. Perlindungan hukum nasabah ditegaskan dalam Undang-Undang Nomor 8 tentang Perlindungan Konsumen dan Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia, untuk melindungi nasabah dari kerugian yang terjadi akibat kerusakan jaminan gadai. Mekanisme tersebut merupakan upaya preventif, Peraturan Otoritas Jasa Keuangan Nomor 31/POJK.05/2016 tentang Usaha Pergadain dan Buku Tata Pekerjaan Pegadain menjadi perlindungan represif, menekankan Pegadaian harus bertanggungjawab terhadap kerusakan yang diakibatkan oleh kelalaian. Simpulan, pengaturan perlindungan hukum bagi nasabah diatur dalam Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen dan Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia, dan perlindungan hukum bagi nasabah berupa upaya preventif, adanya pengaturan yang melindungi nasabah, dan represif, berupa tanggung jawab pengadaian terhadap nasabah, serta upaya penanganan oleh sistem peradilan. Saran, diharapkan pemerintah dapat memperkuat peraturan terkait objek jaminan gadai berupa pengawasan dan memberikan sanksi, serta Pegadaian dapat memperbaiki mekanisme penyimpanan barang agar dapat meminimalisir kerusakan yang terjadi.
Kata Kunci: Perlindungan Hukum, Nasabah, Jaminan Gadai.

The increasing needs of the community for institutions that can provide financial solutions through a safe and trustworthy pawn system are in line with the complexity of the legal issues that accompany it, such as the occurrence of damage to pawn collateral. The aim of this research is to understand the legal protection regulations in the event of damage to pawn collateral and the legal protection provided to customers in the event of damage to pawn collateral at PT. Pegadaian (Persero). This research uses descriptive analytical methods, a normative legal approach, stages of literature study and field study, primary and secondary data collection techniques, as well as data collection tools through literature study. The research results indicate that pawnshop regulations are governed by the Civil Code Articles 1150-1160. Consumer legal protection is affirmed in Law No. 8 concerning Consumer Protection and Law No. 42 of 1999 concerning Fiduciary Guarantees, aimed at protecting consumers from losses due to damage to the pawn collateral. This mechanism serves as a preventive effort, while the Financial Services Authority Regulation No. 31/POJK.05/2016 concerning Pawn Business and the Pawnshop Work Guidelines serves as a repressive protection, emphasizing that Pawnshops should be responsible for damages caused by negligence. In conclusion, the legal protection regulations for consumers are stipulated in Law No. 8 of 1999 concerning Consumer Protection and Law No. 42 of 1999 concerning Fiduciary Guarantees. and legal protection for customers in the form of preventive efforts, regulations that protect customers, and repressive efforts, in the form of the pawnbroker's responsibilities towards customers, as well as handling efforts by the judicial system. It is suggested that the government should strengthen regulations related to the pawning guarantee object in the form of supervision and sanctions, and that the pawnbroker improve the mechanism for storing items to minimize damage that occurs.
Keywords: Legal Protection, Customers, Collateral Objects.