Peminjaman modal usaha pertanian di Desa Lampuyang Kabupaten Kotawaringin Timur

Penelitian ini dilatarbelakangi peminjaman modal usaha pertanian di Desa Lampuyang Kabupaten Kotawaringin Timur. Fokus penelitian ini adalah pada pengembalian modal pinjaman antara pemilik modal dengan petani serta motivasi pemodal menyalurkan dana pada petani berdasarkan hukum ekonomi syariah di Desa Lampuyang Kabupaten Kotawaringin Timur. Data penelitian dihimpun dengan metode observasi, wawancara, dan dokumentasi yang kemudian dianalisis berdasarkan teori maṣlaḥah, teori ijon dan teori perjanjian Islam. Hasil penelitian ini menunjukan bahwa pengembalian modal pinjaman antara pemilik modal dengan petani berupa gabah yang harga dihitung oleh pemodal, pengembalian berdasarkan jumlah hutang yang dikembalikan di lahan pertanian langsung, saat gagal panen pengembalian pinjaman dikembalikan di tahun yang akan datang pada panen berikutnya sedangkan motivasi pemodal menyalurkan dana disebabkan adanya kaitan keluarga serta adanya kerabat dekat tujuan untuk membantu sebagian petani yang membutuhkan modal. ABSTRACT This research was motivated by borrowing agricultural business capital in Lampuyang Village, East Kotawaringin Regency. The focus of this research is on the return of loan capital between owners of capital and farmers and the motivation of investors to channel funds to farmers based on sharia economic law in Lampuyang Village, East Kotawaringin Regency. The research data were collected using observation, interviews, and documentation methods which were then analyzed based on the maṣlaḥah theory, bonded theoryand Islamic covenant theory. The results of this study indicate that the return on loan capital between the owners of capital and farmers is in the form of grain whose price is calculated by the investor, the return is based on the amount of debt returned on the farm directly, when the harvest fails, the loan return is returned in the coming year at the next harvest, while the motivation of the investor to distribute The funds are due to family ties and the existence of close relatives with the aim of helping some farmers who need capital