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All Journal Risâlah, Jurnal Pendidikan dan Studi Islam SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jurnal Ilmiah Al-Syir'ah JUSPI (Jurnal Sejarah Peradaban Islam) Hunafa: Jurnal Studia Islamika Tadayun: Jurnal Hukum Ekonomi Syariah ISTIQRA: JURNAL HASIL PENELITIAN International Journal of Contemporary Islamic Law and Society
Nasaruddin Nasaruddin
Universitas Islam Negeri Datokarama Palu
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Reconciling Customary Debt and Islamic Economic Law: A Legal-Anthropological Study of Mappajalang Dowi' in Tolitoli, Indonesia M. Taufan B.; Marzuki Marzuki; Nasaruddin Nasaruddin; Amiruddin Amrullah
Jurnal Ilmiah Al-Syir'ah Vol 23, No 2 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v23i2.3776

Abstract

This article analyzes mappajalang dowi', a harvest-linked debt practice among Bugis farmers in Puse, Tolitoli, through a legal-anthropological lens that connects Islamic legal doctrine with community practice. Limited access to salaried employment and formal financial services sustains villagers' dependence on pre-harvest borrowing, with repayment due after the harvest season. Based on a qualitative case study employing observation, in-depth interviews, and document analysis, this research reconstructs the contractual structure of the practice, particularly ijab–kabul, mutual expectations, and the proportional ziyādah (increase) that may rise when repayment is delayed. A normative assessment grounded in classical Islamic jurisprudence covering benevolent lending (qardh al-hasan), gratuitous transactions (tabarru'), and unlawful gain (riba), as well as contemporary Indonesian Sharia economic regulations and fatwas, shows that the pre-agreed ziyādah converts the arrangement into a benefit-bearing loan and therefore constitutes indicators of riba. To maintain both Sharia compliance and rural social solidarity, the study proposes alternatives such as genuine benevolent lending with explicit anti-promise clauses, the use of sale-based contracts like salam and murābahah for agricultural inputs, and the establishment of community tabarru' funds. The study presents a context-sensitive framework for enhancing Islamic economic practices in agrarian smallholder contexts.
Co-Authors Adam Adam Adiyanto Mutalib Ahmad Siddiq Setiawan Amiruddin Amrullah Andi Intan Cahyani Besse Tenriabeng Mursyid H, Mursalim Hamza Hasan Hamza Hasan Hasaruddin Hasaruddin Hilal Malarangan Hilal Malarangan Kasjim Salenda M. Taufan B. M. Taufan B. Marzuki Marzuki Marzuki Marzuki Moh. Afif Mursalim H Nadia Nadia Sapruddin Sapruddin Siti Fitriani AT. Israel Syamzan Syukur Uswatun Hasanah