Integrating Local Wisdom in the Practice of Farmland Pawn: A Narrative Literature Review Using the Maqasid al-Shariah Approach
Keywords:
Farmland pawn, local wisdomAbstract
This study analyzes how farmland pawning has evolved in Indonesian agrarian communities by integrating local wisdom and the evaluative framework of maqāṣid al-sharī‘ah. Adopting a narrative literature review, it brings together findings from Islamic economics, rural anthropology, and legal analyses. The study traces the shift in farmland pawning from a solidarity-based to a more commercialized system. This change raises ethical concerns. These concerns include unequal benefit distribution, ambiguous contractual terms, prolonged pawning, and the potential rise of riba and gharar—contrary to Islamic principles of property protection and justice. The findings show that local wisdom values such as mutual cooperation (gotong royong), communal trust, and deliberation (musyawarah) remain strategically important for harmonizing customary practices with Islamic economic principles. The bay‘ al-wafā’ model emerges as an alternative more aligned with maqāṣid al-sharī‘ah. It clarifies contracts, ensures redemption, and reduces exploitation. This study offers a conceptual framework linking local culture with Islamic law. It provides recommendations for creating a fair, ethical, and sustainable method of farmland pawning in the modern rural economy.
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Raswanto, R., Sumarja, F., & Yuniati, A. (2024). Agricultural Land Pawning as a Social Institution in Wono Agung Village Tulang Bawang District. Administrative and Environmental Law Review, 5(1), 59–68. https://doi.org/10.25041/aelr.v5i1.3437
Ritonga, S. K. (2023). Pawn Agricultural Land (boroh) as Debt Guarantee in the Legal Perspective of Mu’amalah Fiqh in Sibio-bio village, East Angkola District, South Tapanuli. Jurnal Mahkamah : Kajian Ilmu Hukum Dan Hukum Islam, 8(1), 31–44. https://doi.org/10.25217/jm.v8i1.2712
Roy Purwanto, M., Supriadi, S., Sularno, S., & Rokhimah, F. (2022). The Implementation of Maqasid Al-Sharia Values in Economic Transactions of The Java Community. KnE Social Sciences, 120–129. https://doi.org/10.18502/kss.v7i10.11351
Santoso, J. T. B. (2021). The Economic Values of Pancasila in the Local Wisdom of Harvesting Rice at Kampung Naga. Jurnal Ekonomi Dan Studi Pembangunan. https://doi.org/10.17977/um002v13i22021p149
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Susanti, D. O., Tektona, R. I., & Shoimah, S. N. (2022). The Right to Buyback in Murabahah Akad with The Ba’i al-Wafa’ System Based on Maqashid Sharia. Justicia Islamica, 19(2), 193–210. https://doi.org/10.21154/justicia.v19i2.3873
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Widihastuti, S., & Choirunnisa, M. (2023). Land pawning practice in Semoyo Village, Patuk Sub-District, Gunungkidul Regency. Jurnal Civics: Media Kajian Kewarganegaraan, 20(1), 114–123. https://doi.org/10.21831/jc.v20i1.59594
Arafat, F. D., & Pahlevi, F. S. (2021). Praktek Gadai Sawah di Kelurahan Klemunan Wlingi Blitar dalam Analisis Hukum Islam. Jurnal Antologi Hukum, 1(1), 145–162. https://doi.org/10.21154/antologihukum.v1i1.244
Ardiansyah, Yuspin, A. D., Zakariya, & Husain, H. (2023). GADAI PADA ERA KONTEMPORER: PERSPEKTIF HADIS DAN KEARIFAN LOKAL. FENOMENA: Jurnal Penelitian, 15(1). https://doi.org/DOI:%2520http://doi.org/10.21093/fj.v14i2.5357
Azhari, D., Sudiarti, S., & Yanti, N. (2022). Analysis of the Implemention of Bay’ al-Wafa’ Transactions on Farmers in Pulau Gambar Village Serba Jadi District Serdang Bedagai Regency. Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan, 3(4). https://doi.org/10.53697/emak.v3i4.1007
Damayanti, A., Hafiz, A. Z., Mi’raj, A. A., Dwiyanto, M. R., & Auni, R. (2020). The local wisdom and land use of paddy field in Sukarame Village, Cisolok Sub-district, Sukabumi Regency. Jurnal Pendidikan Geografi, 25(1), 17–24. https://doi.org/10.17977/um017v25i12020p017
Departemen Agama RI. (2008). Al-Quran Dan Terjemah : Diponegoro.
Faizah, I., Rini, D. D. O., & Farihah, A. (2024). ISLAMIC FINANCIAL LITERACY EDUCATION: STUDY OF AL-GHAZALI’S THOUGHT. International Journal Multidisciplinary (IJMI), 1(1), 84–95. https://doi.org/10.61796/ijmi.v1i1.70
Fauzi, N., Humaidi, & Ali, M. M. (2025). Rahn Contract at Sharia Pawnshop in Madura: Analysis of Maqasid al-Shariah, Socio-Cultural Dynamics, and Socio-Economic Impacts. Tribakti: Jurnal Pemikiran Keislaman, 36(1), 103–122. https://doi.org/10.33367/tribakti.v36i1.5263
Hamid, M., Djafar, A., & Ruslan, M. (2022). Pemanfaatan Gadai Sawah Oleh Kreditur Perspektif Hukum Ekonomi Syariah. Tadayun Jurnal Hukum Ekonomi Syariah, 3(1), 17–32. https://doi.org/10.24239/tadayun.v3i1.33
Harahap, B., Risfandy, T., & Futri, I. N. (2023). Islamic Law, Islamic Finance, and Sustainable Development Goals: A Systematic Literature Review. Sustainability, 15(8), 6626. https://doi.org/10.3390/su15086626
Hasanah, T., & Irfan, Moh. (2022). Gadai Sawah dengan Sistem Tradisi Tanah Digarap Rahin Perspektif ‘Urf (Studi Kasus Desa Lajing Kecamatan Arosbaya Kabupaten Bangkalan). Sumbula : Jurnal Studi Keagamaan, Sosial Dan Budaya Volume 7, Nomor 2, Juli 202, 7(2), 246–259.
Hawariah, A., Anita, K., Dunia, J. P., & Shofiyyah, S. (2021). Praktik Gadai Tanah Sawah Di Desa Alatengae Maros Sulawesi Selatan Dalam Perspektif Syariat. Bustanul Fuqaha Jurnal Bidang Hukum Islam, 2(3), 472–487. https://doi.org/10.36701/bustanul.v2i3.410
Ibn ‘Ashur, M. T. (2006). Maqāṣid al-Sharī‘ah al-Islāmiyyah. International Institute of Islamic Thought.
Iska, S., Jubba, H., Epicandra, E., & Yusuf, M. (2023). The construction of an Islamic capitalism through Pagang Gadai amongst the Minangkabau people. Cogent Social Sciences, 9(1), 2154547. https://doi.org/10.1080/23311886.2022.2154547
Jonwari & Faiz Zainuddin. (2020). SISTEM GADAI TANAH SAWAH PERSPEKTIF HUKUM POSITIF UU NO.56/PRP/TAHUN 1960 DI DESA BANYUPUTIH KECAMATAN BANYUPUTIH KABUPATEN SITUBONDO. Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam, 1(2). https://doi.org/10.35316/alhukmi.v1i2.1185
M, R., & Khalid, I. (2020). ANALISIS PELAKSANAAN RAHN DALAM GADAI SAWAH DI DESA SALOHE KECAMATAN SINJAI TIMUR KABUPATEN SINJAI. Ar-Ribh : Jurnal Ekonomi Islam, 3(1). https://doi.org/10.26618/jei.v3i1.3295
Matuankotta, Jenny. K., Lakburlawal, M. A., Radjawane, P., Salam, S., & Ibrahim, K. M. (2023). The Impact of the Hamlet Land Pawn Agreement on the Economic Level of Indigenous Peoples in Negeri Piliana, Maluku Tengah Regency. Al-Risalah: Forum Kajian Hukum Dan Sosial Kemasyarakatan, 23(1), 21–32. https://doi.org/10.30631/alrisalah.v23i1.1262
Muhtarom, M., Iswandi, I., & Aminulloh, A. (2022). Pawn Paddy Practices According to Islamic Law and Positive Law. JOURNAL of LEGAL RESEARCH, 4(5), 1223–1240. https://doi.org/10.15408/jlr.v4i5.28248
Nufus, Z., Harini, N. V. A., Putra, U. P., & Mulyana, N. (2025). Perjanjian Gadai Sawah atau Lahan Menurut Perspektif Ekonomi Islam di Lampung Tengah. Journal of Agriculture and Animal Science, 5(1). https://doi.org/10.47637/agrimals.v5i1.1626
Pandapotan, S. (2019). Social Capital as a Local Wisdom of Farmer in Managing Agricultural Resources in Lubuk Pakam Sub-district, Deli Serdang District. Budapest International Research and Critics Institute (BIRCI-Journal) : Humanities and Social Sciences, 2(4), 469–476. https://doi.org/10.33258/birci.v2i4.603
Raswanto, R., Sumarja, F., & Yuniati, A. (2024). Agricultural Land Pawning as a Social Institution in Wono Agung Village Tulang Bawang District. Administrative and Environmental Law Review, 5(1), 59–68. https://doi.org/10.25041/aelr.v5i1.3437
Ritonga, S. K. (2023). Pawn Agricultural Land (boroh) as Debt Guarantee in the Legal Perspective of Mu’amalah Fiqh in Sibio-bio village, East Angkola District, South Tapanuli. Jurnal Mahkamah : Kajian Ilmu Hukum Dan Hukum Islam, 8(1), 31–44. https://doi.org/10.25217/jm.v8i1.2712
Roy Purwanto, M., Supriadi, S., Sularno, S., & Rokhimah, F. (2022). The Implementation of Maqasid Al-Sharia Values in Economic Transactions of The Java Community. KnE Social Sciences, 120–129. https://doi.org/10.18502/kss.v7i10.11351
Santoso, J. T. B. (2021). The Economic Values of Pancasila in the Local Wisdom of Harvesting Rice at Kampung Naga. Jurnal Ekonomi Dan Studi Pembangunan. https://doi.org/10.17977/um002v13i22021p149
Siti Armia Daulay, Junda Harahap, & Aminah Lubis. (2023). Analisis Tentang Praktik Ba’i Al Wafa’ Sawah di Desa Parannapa Jae Menurut Perspektif Ekonomi Islam. Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah, 1(4), 90–103. https://doi.org/10.61132/nuansa.v1i4.360
Sudiarti, S., Syarvina, W., & Tambunan, K. (2023). Akad bay wafa as a land pawn practice in islamic economy: The Practice of lawn pawn in bay wafa contract. Journal of Namibian Studies : History Politics Culture.
Suhardi, S. (2019). BAI’ AL-WAFA’ STUDI KOMPARATIF ANTARA ULAMA HANAFIYAH DAN ULAMA SYAFI’IYAH SERTA IMPLEMETASINYA DI INDONESIA. Ensiklopedia of Journal, 2(1), 115–122.
Susanti, D. O., Tektona, R. I., & Shoimah, S. N. (2022). The Right to Buyback in Murabahah Akad with The Ba’i al-Wafa’ System Based on Maqashid Sharia. Justicia Islamica, 19(2), 193–210. https://doi.org/10.21154/justicia.v19i2.3873
Tri Nadhirotur Roifah. (2019). Problematika Gadai Sawah di Kecamatan Tamanan Kabupaten Bondowoso dalam Perspektif Hukum Ekonomi Syariah. Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam, 5(2). https://doi.org/10.36835/iqtishodiyah.v5i2.97
Wasi’ah, Z., Masrohatin, S., Nafis, A. W., & Qoriani, H. F. (2025). PHENOMENOLOGICAL ANALYSIS OF THE PRACTICE OF PAWNED LAND SALE IN THE MUSLIM COMMUNITY IN WONOBOYO VILLAGE, KLABANG DISTRICT, BONDOWOSO REGENCY. 4(6).
Widihastuti, S., & Choirunnisa, M. (2023). Land pawning practice in Semoyo Village, Patuk Sub-District, Gunungkidul Regency. Jurnal Civics: Media Kajian Kewarganegaraan, 20(1), 114–123. https://doi.org/10.21831/jc.v20i1.59594
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2025-12-25
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Sapinah, Muslimin H. Kara, Rahman Ambo Masse, & Abdul Wahid Haddade. (2025). Integrating Local Wisdom in the Practice of Farmland Pawn: A Narrative Literature Review Using the Maqasid al-Shariah Approach. Jurnal Ushuluddin: Media Dialog Pemikiran Islam, 175–184. Retrieved from https://journal.uin-alauddin.ac.id/index.php/alfikr/article/view/63988
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