Pendampingan Pengelolaan Arisan Berbasis Prinsip Ta’awun dalam Meningkatkan Literasi Ekonomi Syariah Masyarakat di Korong Simpang Tigo Paladangan

Asnita Eka Putri (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)
Alfi Rahmi (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)

Tanmiyah Impact: Islamic Economics & Business Service Journal
Vol. 2 No. 1 (2026): Maret 2026

This community service program addressed the low level of sharia economic literacy among residents of Simpang Tigo Paladangan Village, East Sikucua Village, V Koto District, Padang Pariaman Regency, West Sumatra Province, whose rotating savings and credit associations (arisan) were still managed conventionally without reference to Islamic muamalah principles. The partner problem identified was the community's limited understanding of ta’awun (mutual assistance) as an ethical foundation for economic cooperation, as well as the absence of clear, sharia-compliant rules governing arisan membership, contribution, and distribution mechanisms. This activity aimed to strengthen participants' understanding of ta’awun values, introduce sharia-compliant contracts (akad) relevant to arisan, and assist the community in formulating a written, transparent, and equitable arisan governance system. The program employed a Participatory Action Research (PAR) approach involving 30 participants consisting of housewives, arisan group members, community leaders, and youth, implemented through preparation, action, and evaluation stages over four weeks. Data were collected through observation, in-depth interviews, questionnaires, and pre-test/post-test instruments, then analyzed descriptively using percentage comparison and thematic qualitative analysis. The results show that participants' understanding of sharia economic principles increased from an average of 58.7% before the program to 85.3% afterward, accompanied by the drafting of a written arisan charter based on the qardh contract and the formation of a small management team committed to sustaining the practice. Qualitatively, participants demonstrated strong enthusiasm, greater awareness of the difference between sharia-compliant and non-compliant arisan practices, and a collective commitment to replicate the model in neighboring hamlets. This program contributes a replicable community-based model for internalizing ta’awun values into everyday economic practice and strengthening grassroots sharia financial literacy in rural Minangkabau communities.