IMPLEMENTASI PRAKTIK GADAI SAWAH DALAM PERSPEKTIF EKONOMI SYARIAH DI DESA SUMBERANYAR KECAMATAN MAESAN KABUPATEN BONDOWOSO

Lesmana, Muhammad Hendra Aji (2025) IMPLEMENTASI PRAKTIK GADAI SAWAH DALAM PERSPEKTIF EKONOMI SYARIAH DI DESA SUMBERANYAR KECAMATAN MAESAN KABUPATEN BONDOWOSO. Undergraduate thesis, Universitas Muhammadiyah Jember.

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Abstract

Abstrak
Muhammad Hendra Aji Lesmana. NIM. 2110921024. Implementasi Praktik Gadai Sawah Dalam Perspektif Ekonomi Syariah Di Desa Sumberanyar Kecamatan Maesan Kabupaten Bondowoso Tahun 2025. Skripsi, Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Muhammadiyah Jember. Pembimbing: (I) Muhammad Syafi’i, M.E.I, (II) Istikomah S. H. I. M. S. I.

Kata Kunci: Implementasi Praktik, Gadai, Ekonomi Syariah

Praktik gadai sawah yang dilakukan oleh masyarakat Desa Sumberanyar karena adanya kebutuhan mendesak, kebutuhan untuk pendidikan sekolah anaknya, kekurangan modal untuk usaha dan gadai menjadi solusi utama untuk mendapatkan uang dengan mudah dan cepat. Tujuan dari penelitian ini yaitu
untuk mengetahui sistem pelaksanaan praktik gadai sawah di Desa Sumberanyar dan untuk mengetahui pelaksanaan praktik gadai sawah di Desa Sumberanyar dalam perspektif ekonomi syariah. Metode pengumpulan datanya dilakukan melalui observasi, wawancara, dan dokumentasi. Sedangkan analisis datanya yaitu melalui pengumpulan data, reduksi data, penyajian data, penarikan kesimpulan dan verifikasi. Hasil penelitian menunjukkan bahwa dalam pelaksanaanya pihak
penggadai (rahin) ada yang melalui perantara untuk mencari pihak penerima gadai dan ada yang tanpa melalui perantara, jika sudah menemukan pihak yang mau menerima gadai, maka pihak penggadai langsung mendatangi rumahnya untuk meminjam uang guna untuk memenuhi semua kebutuhannya dengan jaminan tanah sawahnya. Dan waktu untuk melunasi hutangnya sesuai dengan perjanjian, apabila hutang tersebut tidak dapat dilunasi maka akan membuat perjanjian yang baru dan tanah sawah tersebut tetap dikelola oleh penerima gadai sampai hutangnya lunas. Pelaksanaan gadai sawahnya masih dijalankan secara tradisional dan informal tanpa pengawasan lembaga resmi serta minim pemahaman terhadap prinsip-prinsip ekonomi syariah. Masyarakat cenderung menjadikan gadai sebagai solusi cepat atas masalah keuangan jangka pendek,
namun tanpa memahami risiko ketimpangan yang terjadi, terutama bagi pihak penggadai (rahin). Ketidakseimbangan posisi tawar antara rahin dan murtahin, serta pengambilan manfaat sawah oleh murtahin tanpa kejelasan akad atau bagi
hasil, mencerminkan praktik yang tidak sesuai dengan prinsip keadilan dalam Islam. Hal ini diperparah dengan rendahnya literasi ekonomi syariah sehingga membuka peluang terjadinya praktik yang mendekati unsur riba.

ABSTRACT

Muhammad Hendra Aji Lesmana. NIM. 2110921024. Implementation of Rice Field Pawning Practices in the Perspective of Sharia Economics in Sumberanyar Village, Maesan District, Bondowoso Regency in 2025. Thesis, Sharia Economics Study Program, Faculty of Islamic Studies, Muhammadiyah University of Jember. Supervisors: (I) Muhammad Syafi’i, M.E.I, (II) Istikomah S. H. I. M. S. I.

Keywords: Implementation of Practice, Pawn, Sharia Economy

The practice of pawning rice fields carried out by the people of Sumberanyar Village is due to urgent needs, the need for their children's school education, lack of capital for business and pawning becomes the main solution to get money easily and quickly. The purpose of this study is to determine the implementation system of the practice of pawning rice fields in Sumberanyar Village and to determine the implementation of the practice of pawning rice fields in
Sumberanyar Village from a sharia economic perspective. The data collection method is carried out through observation, interviews, and documentation. While the data analysis is through data collection, data reduction, data presentation,
drawing conclusions and verification. The results of the study show that in its implementation, some pawners (rahin) go through intermediaries to find pawn recipients and some do not go through intermediaries, if they have found a party
willing to accept the pawn, then the pawner directly comes to their house to borrow money to meet all their needs with their rice field as collateral. And the time to pay off the debt is in accordance with the agreement. If the debt cannot be paid off, a new agreement will be made and the rice field will continue to be managed by the pawnee until the debt is paid off. Pawning of rice fields is still carried out traditionally and informally without supervision from official institutions and with minimal understanding of sharia economic principles. People tend to use pawning as a quick solution to short-term financial problems, but without understanding the risks of inequality that occur, especially for the pawnbroker (rahin). The imbalance in the bargaining position between the rahin and the murtahin, as well as the murtahin taking advantage of the rice fields without clear contracts or profit sharing, reflect practices that are not in accordance with the principles of justice in Islam. This is exacerbated by the low level of sharia economic literacy, which opens up opportunities for practices that approach elements of usury.

Contribution

Nama Dosen Pembimbing

NIDN/NIDK

Dosen Pembimbing

Syafi'i, Muhammad

nidn0707078805

Dosen Pembimbing

Istikomah, Istikomah

nidn0702079002

Item Type:	Thesis (Undergraduate)
Keywords/Kata Kunci:	Implementasi Praktik, Gadai, Ekonomi Syariah
Subjects:	200 Religious > 260 Social and Ecclesiastical Theology > 261 Social Theology 200 Religious > 260 Social and Ecclesiastical Theology > 268 Religious Education
Divisions:	Faculty of Islamic Religion > Department of Sharia Economy (S1)
Depositing User:	Muhammad Hendra Aji Lesmanan | saka36530@gmail.com
Date Deposited:	23 Jul 2025 05:25
Last Modified:	23 Jul 2025 05:27
URI:	http://repository.unmuhjember.ac.id/id/eprint/25808

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