Implementasi dan Efektivitas Sistem Bagi Hasil Mudharabah pada Usaha Pertanian Skala Mikro: Studi Kasus di Desa Suru, Kec. Sooko, Kab. Ponorogo

Abstract

As an agrarian country, the agricultural sector in Indonesia plays a vital role in establishing the foundation of the national economy. The majority of rice farmers in Indonesia are small to micro-scale entrepreneurs who rely heavily on rice farming as their main source of income. This situation is also reflected in Suru Village, Sooko District, Ponorogo Regency, where micro farmers face various challenges, such as limited access to modern agricultural technology and government programs that are generally more accessible to larger-scale farmers. In terms of financing, the farming community in Suru Village requires funding schemes that are flexible and in harmony with the characteristics of their high-risk agricultural business and relatively long harvest cycles. In this context, sharia-based financing through the mudharabah contract holds great potential to be developed as a fairer alternative, offering a profit-sharing system agreed upon at the outset and full risk bearing by the capital owner, except in cases of negligence by the manager. With proper implementation in the micro agricultural sector, particularly in Suru Village, the mudharabah contract can serve as an inclusive, fair, and sharia-compliant financing instrument..

Keywords : Micro agriculture, rice farmers, sharia financing, mudharabah contract