Analisis Ekonomi Islam Terhadap Praktik Gadai Sawah Dalam Upaya Peningkatan Kesejahteraan Keluarga (Studi Pada Desa Wonodadi Utara Kecamatan Gadingrejo Kabupaten Pringsewu)

Abstract

This study aims to analyze the practice of rice paddy pawning from an Islamic economic perspective and its impact on improving family welfare in North Wonodadi Village, Gadingrejo District, Pringsewu Regency. Rice paddy pawning is a common transaction among farmers to obtain capital for businesses or household needs. However, this practice often poses risks to family welfare, especially if carried out without regard to Sharia principles. This study used a qualitative approach with a case study method. Data were collected through in-depth interviews with heads of families who practice rice paddy pawning, field observations, and documentation related to local economic practices. The analysis was conducted by linking the practice of rice paddy pawning to Islamic economic principles, such as the prohibition of usury, fairness in contracts, and benefits for the community. The results show that the practice of rice paddy pawning in North Wonodadi Village generally still follows traditional patterns that do not fully comply with Sharia principles. Nevertheless, for some families, this practice serves as a temporary source of capital that helps meet living needs, thus contributing to improving family welfare in the short term. This research emphasizes the need for outreach and education about fairer alternative sharia contracts, such as the rahn contract, so that the practice of rice paddy pawning can operate in accordance with Islamic economic principles while supporting sustainable family welfare. Thus, the practice of rice paddy pawning based on sharia can become a safe, fair, and beneficial economic instrument for rural communities.