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All Journal Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat
Desi Wahyuni
Universitas Ma’arif Lampung
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Role Of BPRS Metro Madani In Improving Islamic Financial Literacy And Inclusion In The Community Of Metro City Anisa Fitria; Desi Wahyuni
Community: Jurnal Hasil Penelitian dan Pengabdian Masyarakat Vol. 5 No. 1 (2026): Jurnal Hasil Penelitian
Publisher : Perkumpulan Dosen Tarbiyah Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/community.v5i1.135

Abstract

This study aims to analyze the role of BPRS Metro Madani in improving Islamic financial literacy and inclusion among the community of Metro City. This research uses a qualitative approach with a case study method. Data were collected through in-depth interviews, observation, and documentation involving operational managers, marketing staff, customer service, customers, and non-customers. Data were analyzed descriptively to understand the relationship between literacy, inclusion, and the role of BPRS. The results show that BPRS Metro Madani plays an important role in enhancing Islamic financial literacy through educational activities such as product socialization, contract explanation, and customer assistance. These efforts contribute to increasing public understanding and trust. However, Islamic financial literacy remains uneven, which affects the level of financial inclusion. While customers perceive positive benefits, such as business growth and income improvement, non-customers still prefer informal financial systems due to limited knowledge and trust. This study confirms that Islamic financial literacy acts as an intervening variable between the role of Islamic microfinance institutions and financial inclusion, especially in the context of BPRS at the local level. This study is limited to a single institution and qualitative approach, which may affect generalization. The findings imply the need for more intensive education and broader outreach strategies to improve literacy and inclusion.
ANALISIS WANPRESTASI GADAI SAWAH PERSPEKTIF FIQIH MUAMALAH KONTENPORER DI DESA MEKAR SARI KEC. SUNGKAI TENGAN KAB. LAMPUNG UTARA Ihsan Nuruddin; Desi Wahyuni
Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Vol. 6 No. 1 (2025): Al-Hukmi : Jurnal Hukum Ekonomi Syari’ah dan Keluarga Islam
Publisher : Fakultas Syariah dan Ekonomi Islam, Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/alhukmi.v6i1.7280

Abstract

Penelitian ini membahas fenomena wanprestasi dalam praktik gadai sawah (rahn) di kalangan masyarakat pedesaan, dengan studi kasus di Desa Mekar Sari, Kecamatan Sungkai Tengah, Kabupaten Lampung Utara. Gadai sawah merupakan solusi ekonomi tradisional yang masih dipraktikkan dalam situasi mendesak, namun sering kali dilakukan secara informal tanpa perjanjian tertulis dan tanpa pemahaman hukum syariah yang memadai. Tujuan penelitian ini adalah untuk menganalisis bentuk-bentuk wanprestasi, mengidentifikasi faktor penyebabnya, serta merumuskan solusi penyelesaian berdasarkan perspektif fiqih muamalah kontemporer. Metode yang digunakan adalah deskriptif kualitatif dengan pendekatan lapangan dan kepustakaan. Teknik pengumpulan data meliputi wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa bentuk wanprestasi yang dominan antara lain pengambilan kembali sawah oleh rahin sebelum waktu jatuh tempo, penggunaan sawah oleh murtahin melebihi masa perjanjian, dan pengelolaan sepihak terhadap objek gadai. Tindakan tersebut tidak sejalan dengan prinsip dasar akad rahn dalam Islam yang menekankan keadilan, kepastian, dan kesepakatan bersama. Dalam pandangan fiqih muamalah kontemporer, wanprestasi merupakan pelanggaran hukum sekaligus moral terhadap akad yang telah disepakati. Penyelesaian yang disarankan antara lain mediasi berbasis musyawarah (tahkim), restrukturisasi akad, serta penerapan fatwa-fatwa DSN-MUI. Penelitian ini menegaskan pentingnya integrasi nilai etika, hukum, dan agama dalam penyelesaian wanprestasi agar tercapai keadilan, harmoni sosial, serta kesesuaian dengan tujuan syariah (maqashid al-syariah).
Co-Authors Anisa Fitria Ihsan Nuruddin