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All Journal International Journal of Nusantara Islam Jurnal Asy-Syari'ah JURISDICTIE Jurnal Hukum dan Syariah Ikonomika : Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economic Laws Indonesia Journal of Halal International Journal of Islamic Business and Economics (IJIBEC) Indonesian Journal of Halal Research JURNAL EKONOMI SYARIAH Journal of Digital Marketing and Halal Industry Jurnal Pengabdian kepada Masyarakat Nusantara Al-Muamalat : Jurnal Ekonomi Syariah Az Zarqa': Jurnal Hukum Bisnis Islam Milkiyah: Jurnal Hukum Ekonomi Syariah Tadayun: Jurnal Hukum Ekonomi Syariah Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Al-Hiwalah : Journal Syariah Economic Law Likuid: Jurnal Ekonomi Industri Halal IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Sighat : Jurnal Hukum Ekonomi Syariah Jurnal Hukum Ekonomi Syariah : AICONOMIA International Journal of Nusantara Islam International Journal of Islamic Business and Economics (IJIBEC) Journal of Islamic Economic Laws Saqifah: Jurnal Hukum Ekonomi Syariah
Susilawati, Cucu
UIN Sunan Gunung Djati Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Reconstructing Productive Rahn Tasjily Financing with Wakalah Tabarru’: A Maqasid-Based Approach for Agricultural Risk Mitigation in Islamic Microfinance Nur Irmandi; Cucu Susilawati; Sofian Al Hakim; Syamsurijal Syamsurijal; Elpha Senia Agustina
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Volume 5 Nomor 1 Tahun 2026
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v5i1.214

Abstract

The agricultural sector faces a financing paradox: farmers possess high-value assets (land) that are illiquid under conventional collateral schemes, leading to financial exclusion. Previous studies on Rahn Tasjily primarily focus on legal permissibility and collateral flexibility, yet they often neglect the integration of social contracts as a risk mitigation mechanism for high-risk agricultural financing. This study aims to fill this gap by proposing a hybrid financing model that integrates commercial contracts (Rahn Tasjily, Qardh, Ijarah) with a social contract (Wakalah Tabarru’). Using a qualitative-conceptual approach with a Maqasid al-Shari’ah framework, this study constructs a model where Baitut Tamwil provides liquidity while Baitul Maal acts as a risk mitigator through technical assistance. The results demonstrate that this hybrid model resolves the liquidity trap for farmers without asset dispossession and mitigates default risk through structured tabarru’-based supervision. This study contributes to the literature on Islamic microfinance by offering a concrete model of synergy between commercial and social functions in BMT operations.
Co-Authors Adang Sonjaya Adang Sonjaya Agustiani, Sarah Amanah Ahmad Azam Sulaiman, Ahmad Azam Al-Hakim, Sofian Andani, Widia Ayu Apriliani, Selvi Asro, Muhammad Athoillah, Mohamad Anton Bhatti, Omar Khalid bin Hussin, Hanafi Cep Hamdi Durrotunnafisah, Didah Dzikrayah, Fithri Elpha Senia Agustina Ghaisani, Sabila Nur Herdiana, Dian Hidayat, Agi Attaubah Iskandar Iskandar Jaenudin Jaenudin Jaenudin Jaenudin Jamaludin, Jujun Joharudin, Agus Kamaruddin, Muhammad Iqmal Hisham Luthfiah, Siti Endri Mochamad Haikal Rachman Muhamad Abduh Muhamad Abduh, Muhamad Mustahdi, Ahmad aufa Nasrudin Nasrudin Nasrudin Neni Nuraeni, Neni Nur Irmandi Prasetyo, Yoyok Rachman, Mochamad Haikal Rafli Saidi Rosi Hasna Sari Rozikin, Opik Sarah Amanah Agustiani Sari, Rosi Hasna Shasa, Shasa Siti Sa’diah, Diah Sofian Al Hakim, Sofian Sofyan Al-Hakim Sonjaya, Adang Sri Yuniarti, Vinna Sumiati Sumiati Syamsurijal Syamsurijal Ulpah, Siti Nurul Zakiyyah, Siti Aulia