Implementasi Akad Ijarah Adaptif sebagai Model Pemberdayaan UMKM: Studi Kasus Nurusyubab Market, Cianjur Implementation of Adaptive Ijarah Contracts as an MSME Empowerment Model: A Case Study of Nurusyubab Market, Cianjur
Article Sidebar
Page Numbers:
196-210
Digital Object Identifier:
10.58578/ahkam.v5i1.8826
Viewed: 113 times
Downloaded: 51 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Faridah Khairun Nisa1*, Syarifah Gustiawati2, Khaidir Fadil3 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
Although the ijarah contract in leasing practices has been widely examined in Islamic economics literature, studies that specifically investigate adaptive and empowerment-oriented implementations of ijarah for micro, small, and medium enterprises (MSMEs) in community market settings remain limited. This study aimed to analyze the implementation of the ijarah contract in land and building leases and its impact on empowering MSME actors in Nurusyubab Market, Cianjur. A qualitative approach with a field-based case study design was employed, involving ten participants consisting of one mu’jir and nine musta’jir selected purposively. Data were collected through in-depth interviews, observation, and documentation, and were analyzed using the interactive Miles and Huberman model through the stages of data reduction, data display, and conclusion drawing. The findings show that the implementation of ijarah in Nurusyubab Market is not oriented solely toward commercial transactions but is developed as a social empowerment movement grounded in the values of ta’awun and kinship. The predominantly verbal ijarah contracts still fulfill the pillars and conditions of ijarah, with key advantages including flexible ujrah payment without a penalty system, whereby delays are resolved through musyawarah. This scheme has a positive financial impact, with MSME income increasing by 20–50%, and a psychological impact in the form of enhanced feelings of security and peace of mind in doing business. These findings contribute to the development of a humanistic ijarah concept in Islamic economics and broaden understanding of the role of sharia contracts in MSME empowerment, while underscoring the importance of non-exploitative ijarah models and opening avenues for further research in market and other business sectors.
Citation Metrics:
Downloads
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Aini, A., Surahman, S., Prayogi, E., Prapdopo, P., & Kiswanto, M. (2025). Empowering micro and small enterprises through interest-free credit: Lessons from Kredit Kukar Idaman. Journal of Business Management and Economic Development, 3(1), 391–397. https://doi.org/10.59653/jbmed.v3i01.1451
Andrade, C. (2021). The inconvenient truth about convenience and purposive samples. Indian Journal of Psychological Medicine, 43(1), 86–88. https://doi.org/10.1177/0253717620977000
Azizah, N., Wahyuddin, W., & Bulutoding, L. (2025). Ijarah muntahia bittamlik: Comprehensive analysis and implementation in sharia financial business in Indonesia. INVOICE: Jurnal Ilmu Akuntansi, 7(1), 29–36. https://doi.org/10.26618/inv.v7i1.16245
Darwanti, E., Sririzki, S. D., Ramadhan, R. N., & Qamariah, Z. (2024). The principles and practices of akad ijarah: A research application in Islamic banking. Moneter: Jurnal Ekonomi Dan Keuangan, 2(3), 196–208. https://doi.org/10.61132/moneter.v2i3.667
Deb, R., & Baruah, D. (2022). Working capital financing for MSMEs in the pandemic era: Challenges and opportunities. SEDME (Small Enterprises Development, Management & Extension Journal): A Worldwide Window on MSME Studies, 49(2), 131–140. https://doi.org/10.1177/09708464221097224
Devianita. (2022). Penerapan Akad Ijarah dalam Produk Pembiayaan Bank Syariah. Mutawazin (Jurnal Ekonomi Syariah), 2(1), 43–55. https://doi.org/10.54045/mutawazin.v2i1.115
Dwifanty, D. J., Leobisa, J. N., Bernoli, A. A., & Dima, E. T. Y. (2025). Kontribusi UMKM terhadap Perekonomian Indonesia Serta Peluang dan Tantangan dalam Era Digitalisasi. Akuntansi Dan Ekonomi Pajak: Perspektif Global, 2(3), 71–78. https://doi.org/10.61132/aeppg.v2i3.1357
Fadil, K. (2023). Peran Guru dalam Penanaman Sikap Anti Bullying Verbal dalam Pembelajaran PKN di Sekolah Dasar. Attadrib: Jurnal Pendidikan Guru Madrasah Ibtidaiyah, 6, 123–133.
Herawan, F. E. (2024). Understanding the concept of al-Ijarah in sharia economics. Rihlah Iqtishad: Jurnal Bisnis Dan Keuangan Islam, 1(1), 7–12. https://doi.org/10.61166/rihlah.v1i1.2
Huda, M. N., Bawono, B. T., Gunarto, G., & Saktiawan, M. D. (2025). Legal uncertainty in dispute resolution of ijarah muntahiya bi al-tamlik contracts in Indonesia: A ḥifẓ al-māl perspective. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan, 12(2), 517–528. https://doi.org/10.29300/mzn.v12i2.8952
Iswanaji, C., Muslim, A., & Hasbi, M. Z. N. (2022). Ijarah collaborative service model in sharia banking. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 5(2), 702–719. https://doi.org/10.31538/iijse.v5i2.1778
Kuhn, K. (2023). Research methodology. In Lighting up the blackbox—Digital transformation in German lobbying (pp. 67–106). Springer Gabler. https://doi.org/10.1007/978-3-658-43898-2_3
Madani, F., Mukhlas, O. S., & Nurhikmah, A. (2025). Sharia law construction regarding early name change of ijarah object: A case study of wakalah in sharia banking practice. Socio Politica: Jurnal Ilmiah Jurusan Sosiologi, 15(2), 323–336. https://doi.org/10.15575/socio-politica.v15i2.48713
Manalu, H., Sudarmiatin, S., & Wardana, L. W. (2024). Fluctuations in the dynamics of opportunities and challenges for micro, small and medium enterprises in Indonesia. Nusantara Economics and Entrepreneurships Journals, 280–293. https://doi.org/10.59971/necent.v2i3.57
Meydan, C. H., & Akkaş, H. (2024). The role of triangulation in qualitative research (pp. 101–132). https://doi.org/10.4018/979-8-3693-3306-8.ch006
Muhammad, Z. bin, & Nor Muhamad, N. H. (2024). Public and private ownership guideline in fiqh Islam. International Journal of Academic Research in Economics and Management Sciences, 13(2), 276–290. https://doi.org/10.6007/IJAREMS/v13-i2/21186
Mustika, M., Masuwd, M., Malik, R., Hasanuddin, H., & Malik, A. (2025). The justification and implementation of fines on capable customers in Islamic financial institutions: A shariah law perspective. Kanun Jurnal Ilmu Hukum, 27(1), 110–132. https://doi.org/10.24815/kanun.v27i1.41277
Nareswari, N., Nurmasari, N. D., & Putranti, L. (2023). Financial constraints of micro, small, and medium-sized enterprises (MSMEs) in the Indonesia creative industries. Journal of Economics, Business, & Accountancy Ventura, 25(3), 312–321. https://doi.org/10.14414/jebav.v25i3.3433
Naswa, N. A. S., Syu’aibi, M., & Dayat, M. (2025). Ijarah-based land management for rural livestock enterprises: A case study of BUMDes Mutiara Welirang in Ketapanrame Village. Jurnal Dinamika Ekonomi Syariah, 12(2), 453–467. https://doi.org/10.53429/jdes.v12i2.1506
Safitri, N., Dinana, A., & Mashudi. (2025). MSMEs as the backbone of the economy: Optimizing potential and facing various challenges. Public Service: Jurnal Ilmu Sosial Dan Pendidikan, 2(1), 28–38. https://doi.org/10.61166/service.v2i1.10
Okta Priansa, R., Kurniawan, Fatimah, S., Kadarsih, S., & Dewi, H. (2025). Contractual justice in traditional market leasing: An ijārah-based analysis at Pasar Kalangan. APLIKATIF: Journal of Research Trends in Social Sciences and Humanities, 4(3), 353–365. https://doi.org/10.59110/aplikatif.v4i3.698
Reddy, G. S., Nadiminti, V., Reddy, D. S., & Meena, A. (2024). Challenges faced by start-ups in accessing finance. Plant Archives, 24(1), 1279–1282. https://doi.org/10.51470/PLANTARCHIVES.2024.v24.no.1.178
Ridha, M. H., Ashari, H., & Damhuri, T. (2024). The impact of KUR disbursement on MSME’s credit growth. Jurnal Borneo Administrator, 20(3), 289–302. https://doi.org/10.24258/jba.v20i3.1475
Rühlmann, L. (2023). Research design and methodology. In Race, language, and subjectivation (pp. 63–103). Springer VS. https://doi.org/10.1007/978-3-658-43152-5_5
Safwan, S. (2025). Analisis Implementasi Akad-Akad Syariah dalam Transaksi Bisnis UMKM terhadap Keberlanjutan Usaha: Studi Kasus UMKM Kota Sigli. HEI EMA: Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen Dan Akuntansi, 4(2), 90–101. https://doi.org/10.61393/heiema.v4i2.347
Santhia, T. M., & Akbar, H. (2025). The system of imposing fines for late payment of electricity bills at PT PLN according to sharia economic law. JURISTA: Jurnal Hukum Dan Keadilan, 9(1), 337–356. https://doi.org/10.22373/jurista.v9i1.271
Tambunan, E. C., Enuh, K., Ubaidullah, U., & Tamba, M. (2022). Capital access for micro small medium enterprises. Jurnal Ekonomi Dan Perbankan Syariah, 10(2), 148–158. https://doi.org/10.46899/jeps.v10i2.375
Vahlevi, D. R. L. (2025). Strategy of implementing sharia contracts in facing the challenges of UMKM financing in the digital era. Ekosiana Jurnal Ekonomi Syari Ah, 12(1), 47–59. https://doi.org/10.47077/ekosiana.v12i1.551