Strategi Pengelolaan Resiko Gagal Panen Untuk Mengurangi Utang Petani Jagung Dalam Perspektif Ekonomi Syariah
(Studi Kasus Desa Padaidi, Kec. Tellusiattinge, Kab. Bone)
DOI:
https://doi.org/10.37329/metta.v5i2.4204Keywords:
Resiko Gagal Panen, Utang, Ekonomi SyariahAbstract
Agriculture is a vital sector in Indonesia's economy, including in Padaidi Village, Tellu Siattinge Sub-district, Bone Regency, where the majority of the population depends on corn farming for their livelihood. However, farmers in this area often face the risk of crop failure due to extreme weather, pest attacks, and limited access to agricultural technology. This study aims to understand farmers' behavior in facing the risk of crop failure, their debt management strategies during such events, and to review the phenomenon from the perspective of Islamic economics. The method used is descriptive qualitative through interviews, observations, and documentation. The research findings show that farmers’ strategies include business diversification, saving harvested produce, and support from farmer groups. In managing debt, most farmers borrow from middlemen or relatives without interest, yet they still face repayment difficulties due to insufficient harvests. An important finding highlights the need to implement sharia-based contract strategies such as musyarakah, mudharabah, and qardhul hasan, as well as the utilization of Islamic cooperatives and takaful insurance as profit-sharing-based financing models that are fair and effective in reducing farmers’ debt burdens. In conclusion, increasing financial literacy and access to Islamic financial institutions is a strategic step to build farmers’ economic resilience based on Islamic principles.
References
Agu, W. J., Musa, F. T., & Tanipu, F. (2023). Eksistensi Tengkulak Dalam Menunjang Perekonomian Petani Jagung di Desa Juriya Kecamatan Bilato Kabupaten Gorontalo. Dynamics of Rural Society Journal, 1(1), 1-9.
Agustin, H. (2021). Teori Bank Syariah. JPS: (Jurnal Perbankan Syariah), 2(1), 67-83.
Basri, H. (2023). Analisis Pendapatan Usaha Tani Jagung Di Desa Buae Kabupaten Sidrap Perspektif Ekonomi Islam. Jurnal Ekonomi, 13(1), 104-16.
Berg, H. P. (2020). Risk Management: Procedures, Methods And Experiences. Reliability: Theory & Applications, 5(17), 79-95.
Edris, M. (2020). Analisis Perilaku Pembelian Obat-Obatan Halal Di Provinsi Jawa Tengah. Journal of Management and Bussines Review, 17(2), 155-165.
Gunawan, Y., Sunaryo, Y., & Wahana, S. (2024). Analisis Kemitraan Terhadap Pendapatan Usaha Petani Jagung Manis. Paradigma Agribisnis, 6(2), 141-157.
Husaema, A. (2022). Praktik Utang Piutang Pupuk Dan Pestisda Di Sumpang Mango Kabupaten Sidrap Tinjauan Hukum Ekonomi Islam. Doctoral Dissertation, IAIN Parepare.
Kaban, N. D. R., Katiandagho, T. M., & Baroleh, J. (2023). Analisis Risiko Usaha Tani Jagung Di Desa Lompad Baru Kecamatan Ranoyapo Kabupaten Minahasa Selatan. Agri-Sosioekonomi, 19(1), 111-120.
Mardhiyah, N., & Yahya, A. (2024). Analisa Mitigasi Risiko Pembiayaan Pada Pembiayaan Syariah Sektor Pertanian (Studi pada BSI KCP Purwodadi Suprapto). Doctoral dissertation, UIN Surakarta.
Nadziroh, M. R. N. (2020). Peran Sektor Pertanian Dalam Pertumbuhan Ekonomi Di Kabupaten Magetan. Jurnal Agristan, 2(1), 52-60.
Nainggolan, S. P., & Sihombing, S. (2020). Strategi Pengembangan USAhatani Jagung di Kabupaten Dairi Kecamatan Tigalingga Desa Lau Sireme. Journal of Agriculture and Agribusiness Socioeconomics, 2(6), 1-14.
Nasikah, K. (2023). Pengaruh Kesadaran dan Label Halal Terhadap Keputusan Pembelian Produk Kosmetik (Studi Pada Mahasiswa Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Angkatan 2019-2020 IAIN Metro. Doctoral dissertation, IAIN Metro.
Nurfadhilah, N. M., Ridhati, F., & Putri, R. M. A. (2023). Implementasi Manajemen Risiko Berbasis Syariah Pada Lembaga Keuangan Syariah. RISALAH IQTISADIYAH: Journal of Sharia Economics, 2(1), 10-16.
Pautina, A. R., Mahdalena, M., & Lukum, A. (2025). Analisis Praktik Utang Piutang Berdasarkan Falsafah Adat Gorontalo (Studi Kasus Petani dan Tengkulak di Desa Huntu Utara). Paradoks: Jurnal Ilmu Ekonomi, 8(2), 775-781.
Puspasari, S. D., Hakim, L., & Kemalasari, P. R. (2020). Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Keputusan Pengambilan Kredit Petani Jagung Desa Jotang Pada Bri. Jurnal Ekonomi dan Bisnis Indonesia, 5(1), 1-4.
Rusanti, E., Sofyan, A. S., & Syarifuddin. (2023). Implementasi Konsep Ekonomi Islam Pada Sektor Pertanian Berbasis Kearifan Lokal Dan Tantangan Pembiayaan Di Perbankan Syariah. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 5(1), 29-51.
Sandika, G. (2023). Pengembalian Hutang Piutang Dengan Syarat Menjual Hasil Panen Kepada Pemberi Hutang Perspektif Hukum Islam. Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto.
Saputri, E., Istan, M., & Andriko, A. (2023). Kesejahteraan Petani Jagung Perspektif Ekonomi Islam Desa Bandar Jaya Kecamatan Lengkiti. Doctoral dissertation, IAIN Curup.
Setiawan, A. (2023). Tinjauan Hukum Ekonomi Syariah Terhadap Pembayaran Hutang Pasca Panen Jagung Di Desa O’o Kecamatan Donggo Kabupaten Bima. Jurnal Ekonomi, 13(1), 104-16.
Ulmiana, F. (2022). Potensi Pengembangan Asuransi Syariah Usaha Tani Padi di Aceh Besar (Pendekatan Analisis SWOT). Doctoral dissertation, UIN Ar-Raniry.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Erika Yulistika Yusdar, Aksi Hamzah, Abd. Rasyid R
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with Metta : Jurnal Ilmu Multidisiplin agree to the following terms: Authors retain copyright and grant the Metta : Jurnal Ilmu Multidisiplin right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in Metta : Jurnal Ilmu Multidisiplin. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in Metta : Jurnal Ilmu Multidisiplin. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
