Strategi Pembiayaan Syariah Berbasis Maqashid untuk Mengatasi Kesulitan Modal Petani di Desa Wakan

Maqashid-Based Sharia Financing Strategy to Overcome Farmers' Capital Difficulties in Village Wakan

Abstract

Capital constraints remain one of the major challenges faced by local farmers in Village Wakan, limiting their productivity and the sustainability of agricultural activities. This study analyzes the role of maqashid sharia–based strategic partnerships as an alternative solution to overcome limited access to agricultural financing. Using a qualitative descriptive-exploratory approach with a case study design, the research involves farmers, managers of Islamic Microfinance Institutions (LKMS), Islamic social fund managers, and agricultural facilitators as key informants. Data were collected through in-depth interviews, field observations, and documentation, and analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings indicate that sharia-compliant financing schemes such as musyarakah, mudharabah, murabahah, salam, and social-based Islamic funding mechanisms including zakat, infaq, sadaqah, and productive waqf provide fairer and lower-risk access to capital for farmers. LKMS in Village Wakan also play a significant role by expanding agricultural financing and strengthening farmers’ financial literacy through continuous mentoring. The integration of maqashid sharia principles promotes not only better capital access but also socio-economic sustainability for farmers. This study concludes that maqashid sharia based strategic partnerships offer an effective, inclusive, and sustainable empowerment model for improving agricultural resilience and farmer welfare in Village Wakan and similar agrarian regions.