Application of Sharia Principles in Village Economic Institutions Case Study in Mamala and Morela Villages, Central Maluku Regency

Abstract

The Islamic economic system is increasingly widespread in Indonesian society. Prohibiting the imposition of usury, maisir, gharar, dzolim and haram are fundamental conditions for implementing the Islamic economy. This is because the economy based on Islamic Law has become an obligation for Muslims everywhere to learn, understand and apply it. Morella Village is a village in the Leihitu sub-district, Central Maluku Regency is one of the target areas for cluster-based community economic empowerment in Maluku Province, a work program of the Regional Financial Access Acceleration Team of Maluku Province. Cluster-based community economic empowerment in Maluku Province is a joint work program between TPAKD Maluku Province, TPAKD Southeast Maluku Regency and the Sharia Economic Community of Maluku Province. With the principle of an Islamic-based economic system, it is hoped that the community can be empowered to drive local economic centers, including development in rural areas. This study seeks to examine the Islamic Economic review of the role of Village Economic Institutions, one of which is BUMNeg in improving community businesses in Mamala and Morela Villages, Central Maluku Regency. The results showed that there needs to be a sharia concept developed in Mamala SOEs is a rental contract or ijarah, namely chair and tent rental services, a contract for buying and selling goods or Bai Al-Murabahah consisting of gallon businesses, material materials and fisheries while in Morella SOEs is a microfinance business, namely a savings and loan cooperative business. In the savings and loans business unit, the Islamic economic contract that can be applied in savings is the Al-Wadi'ah contract. In carrying out their business activities, BUMNeg Mamala and Morella can apply the principles of BUMDES management according to an Islamic Economic perspective combined with management principles, including Shirkah or cooperation, participation, and transparency. Meanwhile, accountability has not been applied to both SOEs, Mamala, and Morella.