MANAGEMENT ANALYSIS OF PAID PAYMENT SYSTEM ON THE LEVEL OF FARMER'S ECONOMIC WELFARE IN ISLAMIC PERSPECTIVE

Abstract

The purpose of this study was to determine the analysis of the management of the Pawn Pawn system on the level of economic welfare of farmers in an Islamic perspective. This study uses qualitative research methods as its approach which is carried out in Pulutan Hamlet, Kebonan, Karanggede, Boyolali by examining the practice of pawning rice fields in the community. Sources of data obtained consist of primary data and secondary data. Primary data is the data collection techniques in the form of observation and interviews. Data sources that directly provide data to data collectors. Secondary data is data collection techniques in the form of documentation and literature study in the form of journals from previous research. The results showed that: 1). The implementation system for the management of pawned fields carried out by the community in Pulutan Hamlet, Kebonan is carried out in accordance with ancient customs, namely the pawned fields can be done by the recipient of the pawn or pawnshop with a profit-sharing system, but if viewed from the terms and pillars of the pawn, the contract in The field pawn transaction is legal and in accordance with Islamic law. The terms and pillars can be justified because the parties have the skills to take legal action voluntarily between them; 2). The implementation of the management of paddy fields in the community is with a profit-sharing system, it is not allowed in the view of Islamic economics, land in the form of rice fields or gardens should not be used by the recipient of the pawn, except for goods that require care to maintain it, such as livestock, because this will be detrimental to the mortgagee. Because it is possible that the benefits taken from the harvest sharing are far greater than the debt given by the recipient of the pawn, and the pawnbroker still has to pay off the debt that has been lent; and 3) Pawn fields management system can affect the welfare of farmers, but this welfare is only temporary, because the existence of the agricultural production sharing system causes the income from the pawnbroker to decrease, of course it is different if it is the land itself.