The optimization of muzÄra’ah contracts in Islamic financial institutions for alleviating poverty and empowering the community's economy

Moh. Hamzah(1*),


(1) Sekolah Tinggi Agama Islam (STAI) Az-Zain Sampang
(*) Corresponding Author

Abstract


Poverty is a complex issue that affects various crucial sectors such as education, health, and agriculture. Islamic financial institutions play a significant role in addressing poverty through community empowerment in the agricultural sector. This research aims to examine the contribution of the muzÄra’ah contract in economic empowerment and poverty alleviation. The research method used is a conceptual approach. The results show that the use of the muzÄra’ah contract by Islamic financial institutions significantly contributes to reducing poverty in the agricultural sector. Additionally, Everett Rogers' Diffusion of Innovation theory can be used to enhance community understanding and acceptance of Islamic financial products. These findings make an important contribution to academic literature and offer effective strategies for economic empowerment through Islamic financial institutions.

Keywords: MuzÄra’ah; Economic Empowerment; Poverty; Sharia Financial Institutions.

Full Text:

PDF

References


Abdullah, M. R. (2017). Bagi Hasil Tanah Pertanian (Muzara’ah) (Analisis Syariah dan Hukum Nasional). Al-Amwal : Journal of Islamic Economic Law, 2(2), 148–172. https://doi.org/10.24256/alw.v2i2.636

Afrelian, M. I., & Furqon, I. K. (2019). Legalitas Dan Otoritas Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Dalam Operasional Lembaga Keuangan Syariah. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan, 6(1), 1. https://doi.org/10.29300/mzn.v6i1.2195

Al-Khalafi, A. A. B. (2017). Al-Wajiz Fi Fiqh as Sunnah Wa Al-Kitab Al-Aziz, Edisi Indonesia Panduan Fiqih Lengkap, Ter. Team Tashfiyah LIPIA. Pustaka Ibnu Kasi.

Anggorowati, M. A. (2023). Data Pertanian dan Kemiskinan di Desa. Kompas.Id, 1. https://www.kompas.id/baca/opini/2023/05/25/data-pertanian-dan-kemiskinan-di-desa

Antonio, S. (2001). Bank Syariah dari Teori ke Praktek, Cet. 1. Gema Insani.

Badruzaman, D. (2019). Implementasi Hukum Ekonomi Syari’ah pada Lembaga Keuangan Syari’ah. Maro; Jurnal Ekonomi Syariah Dan Bisnis, 2(2), 81–95. http://jurnal.unma.ac.id/index.php/Mr/index%0AIMPLEMENTASI

Buchanan, A., Cole, T., & Keohane, R. O. (2011). Justice in the Diffusion of Innovation. Journal of Political Philosophy, 19(3), 306–332. https://doi.org/10.1111/j.1467-9760.2009.00348.x

Budiono, A. (2017). Penerapan prinsip syariah pada lembaga keuangan syariah. Law and Justice, 2(1), 54–65. https://journals.ums.ac.id/index.php/laj/article/view/4337

Effendi, J., & Wardhani, D. (2016). Debt Financing dan Dampaknya terhadap Perkembangan Usaha Mikro di Bogor. Al-Muzara’ah, 4(2), 110–126. https://doi.org/10.29244/jam.4.2.110-126

Ghofur, A., Alvis Syarifuddin, M., Majid Toyyibi, A., & Kurnianingsih, R. (2021). Strategi Lembaga Keuangan Syariah Menghadapi Pembiayaan Bermasalah di Masa Pandemi Covid-19. Jurnal Ilmu-Ilmu Keislaman, 11(2), 129–142. https://doi.org/https://doi.org/10.47200/ulumuddin.v11i2.795

Hamzah, M. (2021). Menjaga Stabilitas Usaha Pasca Pandemi Covid-19 dengan Penerapan Akad Murabahah pada Pelaksanaan Investasi Syariah Pendahuluan Kasus penyebaran virus Covid-19 ( Corona Virus Diseasi 2019 ) yang menyebabkan dampak yang sangat besar terhadap sektor kesehata. Al-Huquq: Journal of Indonesian Islamic Economic Law, 3(2), 185–210. https://doi.org/https://doi.org/10.19105/alhuquq.v3i2.5013

Hamzah, M., & Rohmaniyah, W. (2022). Pembebasan Denda (al-GharÄmah) Pada Nasabah Wanprestasi di Lembaga Keuangan Syariah: Analisis MaqÄá¹£id asy-Syarī’ah Perspektif asy-SyÄá¹­ibÄ«. Jurnal Hukum Ekonomi Syariah, 6(02), 175–194. https://doi.org/10.26618/j-hes.v6i02.7440

Harahap, A. T. (2017). Tantangan dan Peluang Lembaga Keuangan Syariah. Jurnal Bisnis Corporate, 2(2), 1–15. https://doi.org/https://doi.org/10.46576/jbc.v2i2.169

Hariyanto, E., & Hamzah, M. (2022). Bibliometric Analysis of the Development of Islamic Economic Dispute Resolution Research in Indonesia. Juris: Jurnal Ilmiah Syariah, 21(2), 221–233. https://doi.org/10.31958/juris.v21i2.6997

Hariyanto, E., Harisah, Hidayatullah, Hamzah, M., Mujib, F., & Marheni, C. L. (2023). In Search of Ummah Welfare Model: The Revitalisation of Sharia Economic Law in Indonesia. Sriwijaya Law Review, 7(2), 244–261. https://doi.org/10.28946/slrev.Vol7.Iss2.1080.pp244-261

Hidayat, A. R. (2023). Analisis Adopsi Penggunaan Sistem Pembayaran Fintech pada Generasi Milenial Menggunakan Teori Difusi Inovasi. Jurnal Ilmu Manajemen, 13(1), 117–132. https://doi.org/10.32502/jimn.v13i2.6974

Irawan, M. (2018). Politik Hukum Ekonomi Syariah Dalam Perkembangan Lembaga Keuangan Syariah Di Indonesia. Jurnal Media Hukum, 25(1), 10–21. https://doi.org/10.18196/ jmh.2018.0097.10-21

Katman, M. N., & Firawati. (2021). Peran Lembaga Keuangan Syariah Dalam Mengimplementasikan Keuangan Inklusif Bagi Ekonomi Masyarakat. Ekonomi Islam, I(I), 26–41. https://doi.org/https://doi.org/10.24252/attawazun.v1i1.19950

Kolistiawan, B. (2017). Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 78. https://doi.org/10.18326/muqtasid.v8i1.78-94

Kristianti, D. S. (2020). Integrasi Prinsip Syariah Dalam Fungsi Intermediasi Lembaga Keuangan Syariah. Undang: Jurnal Hukum, 3(2), 315–339. https://doi.org/10.22437/ujh.3.2.315-339

Lubis, D., & Indrawati, I. R. (2017). Analisis pendapatan petani penggarap dengan akad. Maqdis: Jurnal Kajian Ekonomi Islam-Volume 2, Nomor 1, Januari-Juni 2017, 2(3), 310–315.

Mardani. (2012). Fiqh Ekonomi Syari’ah. Kencana Prenada Media Group.

Mardani. (2014). Hukum Bisnis Syariah. Prenadamedia Group.

Muheramtohadi, S. (2017). Peran Lembaga Keuangan Syariah dalam Pemberdayaan UMKM di Indonesia. MUQTASID Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 95. https://doi.org/10.18326/muqtasid.v8i1.95-113

Ngasifudin, M. (2016). Aplikasi Muzara’ah Dalam Perbankan Syariah. JESI (Jurnal Ekonomi Syariah Indonesia), VI(1), 38–44. https://doi.org/http://dx.doi.org/10.21927/jesi.2016.6(1).%25p

Palm, A. (2020). Early adopters and their motives: Differences between earlier and later adopters of residential solar photovoltaics. Renewable and Sustainable Energy Reviews, 133(March), 110142. https://doi.org/10.1016/j.rser.2020.110142

Prihatin, A. D., & Sujianto, A. E. (2023). Akad Muzara’ah dan Kesejahteraan Petani Penggarap pada Desa Mojorembun Kabupaten Nganjuk. Sanskara Ekonomi Dan Kewirausahaan, 1(03), 113–122. https://doi.org/10.58812/sek.v1.i03

Purwanti, A., & Ratri, Z. (2023, November 21). Pembatasan Pupuk Subsidi, Peluang Pengembangan Pupuk Organik. Kompas.Id. https://www.kompas.id/baca/riset/2023/11/21/pembatasan-pupuk-subsisi-peluang-pengembangan-pupuk-organik

Putra, I. R., Hajj, M. S., & Ikayanti, I. (2018). Optimalisasi Akad Muzara’ah pada Bank Syariah. Maliyah : Jurnal Hukum Bisnis Islam, 8(2), 147–174. https://doi.org/10.15642/maliyah.2018.8.2.1-26

Ras, A. (2013). Pemberdayaan masyarakat sebagai upaya pengentasan kemiskinan. Socius, 17(3), 56–63.

Redaksi, T. (2023). Pertanian RI Kurangi Kemiskinan, Tapi Petaninya Tetap Miskin! CNBC Indonesia, 1. https://www.cnbcindonesia.com/news/20230510105523-4-436086/pertanian-ri-kurangi-kemiskinan-tapi-petaninya-tetap-miskin

Rodin, D. (2015). Pemberdayaan Ekonomi Fakir Miskin dalam Perspektif al-Qur’an. Economica: Jurnal Ekonomi Islam, 6(1), 71–102. https://doi.org/10.21580/economica.2015.6.1.787

Rodoni, A., & Hamid, A. (2008). Lembaga Keuangan Syariah. Penerbit Zikrul Hakim.

Septiana, A. R. (2020). Manajemen Inovasi: Memenangi Kompetisi, Mengantisipasi Disrupsi.

Shihab, M. Q. (2010). Tafsir Al-Misbah. Letera hati.

Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. CV. Alfabeta.

Suhendi, H. (2016). Fiqih Mu’amalah. PT. Raja Grofindo Persada.

Sungono, B. (2009). Metodologi Penelitian Hukum. PT. Raja Grafindo Persada.

Syauqoti, R., & Ghozali, M. (2018). Analisis sistem lembaga keuangan syariah Dan lembaga keuangan konvensional. Jurnal Iqtishaduna, 14(1). http://repo.unida.gontor.ac.id/id/eprint/1793

Tamitiadini, D., & Pradheksa., P. Y. (2022). Dasar-Dasar Komunikasi Risiko. Universitas Brawijaya Press.

Tolba, A., & Mourad, M. (2011). Individual and cultural factors affecting diffusion of innovation. Journal of International Business and Cultural …, 1–17. http://w.aabri.com/manuscripts/11806.pdf

Wang, Y., Hsiao, S.-H., Yang, Z., & Hajli, N. (2016). The impact of sellers’ social influence on the co-creation of innovation with customers and brand awareness in online communities. Industrial Marketing Management, 54, 56–70. https://doi.org/https://doi.org/10.1016/j.indmarman.2015.12.008

Wardani, D. R., & Faizah, S. I. (2020). Kesejahteraan Petani Penggarap Sawah Pada Penerapan Akad Muzara’Ah Dengan Pendekatan Maqashid Syari’Ah di Tulungagung. Jurnal Ekonomi Syariah Teori Dan Terapan, 6(7), 1450. https://doi.org/10.20473/vol6iss20197pp1450-1461

Weil, A. R. (2018). Diffusion of innovation. Health Affairs, 37(2), 175–175. https://doi.org/10.1377/hlthaff.2018.0059

Zanello, G., Fu, X., Mohnen, P., & Ventresca, M. (2016). the Creation and Diffusion of Innovation in Developing Countries: a Systematic Literature Review. Journal of Economic Surveys, 30(5), 884–912. https://doi.org/10.1111/joes.12126




DOI: 10.24235/jm.v9i1.16716

Article Metrics

Abstract view : 0 times
PDF - 0 times

Refbacks

  • There are currently no refbacks.


Al Mustashfa Indexed by:


Reference Management Tool


 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

View My Stats