SYARIAH-ADAT HYBRIDITY IN ISLAMIC MICROFINANCE: Empowering Rural Acehnese Women in Peureulak’s Mukim System
Keywords:
Syariah-Adat Hybridity, Islamic microfinance, rural women’s agency, mukim governanceAbstract
Purpose: This study addresses a critical population gap in Islamic finance scholarship by investigating how Aceh’s mukim governance system mediates the impact of Shariah-compliant microfinance on rural Acehnese women’s socio-economic agency, a group excluded from 98% of Scopus-indexed literature despite Aceh Timur’s 92% failure rate in women’s empowerment programs. Grounded in maqasid al-Shariah, it reframes adat not as a barrier but as a cultural scaffold for financial inclusion.
Method: A qualitative case study analyzed 30 in-depth interviews with women beneficiaries (stratified by marital status/business sector), 2 focus groups with mukim leaders, and archival review of zakat integration protocols in Peureulak. Data collection adhered to Acehnese ethical protocols via meunasah engagements.
Findings: The Syariah-Adat Hybridity framework emerged as pivotal: mukim authorities enabled 72% of women to secure business rights through Shariah-Adat mediation, doubling average incomes. Critically, 63% reported reduced domestic violence, proving financial autonomy functions as a safety intervention. Twelve participants reinvested profits into mukim-supervised waqf education funds, operationalizing Maslahah wal Murshalah.
Limitations and Theoretical Implications: While rural focus limits generalizability, it reveals how Adat resolves tensions between universal Maqasid al-Shariah and localized gender norms.
Practical Implications: Proposes mukim-integrated policy actions: (1) Baitul Maal partnerships to channel zakat into Adat-validated business grants, and (2) Shariah literacy training for mukim councils to scale women’s economic agency.
References
Aburto Barrera, L. I., & Wagner, J. (2023). A systematic literature review on sustainability issues along the value chain in insurance companies and pension funds. European Actuarial Journal, 13(2). https://doi.org/10.1007/s13385-023-00349-1
Ahmad, H., Yaqub, M., & Lee, S. H. (2024). Environmental-, social-, and governance-related factors for business investment and sustainability: a scientometric review of global trends. In Environment, Development and Sustainability (Vol. 26, Issue 2). https://doi.org/10.1007/s10668-023-02921-x
Amanatillah, D. A., Isnaliana, I., & Jalilah, J. (2023). Bank Aceh Syariah Contribution in Supporting the Development of the Halal Tourism Sector In the City of Sabang. Al Tijarah, 9(2). https://doi.org/10.21111/at.v9i2.10501
Amin, A. K. (2021). Financial Inclusion in Organization of Islamic Cooperation Countries: Challenges andOpportunities. In Financial Inclusion in Emerging Markets: A Road Map for Sustainable Growth. https://doi.org/10.1007/978-981-16-2652-4_2
Ansor, M. (2014). Being woman in the land of shari’a: Politics of the female body, piety and resistance in Langsa, Aceh. Al-Jami’ah, 52(1). https://doi.org/10.14421/ajis.2014.521.59-83
Apriliani, A. R., Safrida, S., & Fajri, F. (2023). Pengaruh Pengangguran Terhadap Indeks Kedalaman Kemiskinan Di Provinsi Aceh. Jurnal Ilmiah Mahasiswa Pertanian, 8(1). https://doi.org/10.17969/jimfp.v8i1.22825
Armia, M. S. (2021). Dewan Syariah Aceh Perkuat Qanun Lembaga Keuangan Syariah. Gema Baiturrahman.
Baihaqi, A. B., & Puspitasari, P. (2020). ANALISIS DAMPAK PENGANGGURAN, INDEKS PEMBANGUNAN MANUSIA, ZAKAT DAN PDRB TERHADAP KEMISKINAN DI PROVINSI ACEH. Journal Publicuho, 3(2). https://doi.org/10.35817/jpu.v3i2.12272
Fahmi, C. (2023). THE IMPACT OF REGULATION ON ISLAMIC FINANCIAL INSTITUTIONS TOWARD THE MONOPOLISTIC PRACTICES IN THE BANKING INDUSTRIAL IN ACEH, INDONESIA. Jurnal Ilmiah Peuradeun, 11(2). https://doi.org/10.26811/peuradeun.v11i2.923
Faizah, Z. (2022). Analisis Pemahaman Masyarakat Gampong Lampeuneuen Kecamatan Darul Imarah Kabupaten Aceh Besar Terhadap Perbankan Syariah. Al-Ahkam : Jurnal Syariah Dan Peradilan Islam, 2(2).
Farrel, M., Hettne, B., & Van Langenhove, L. (2005). Economic Theories of Regional Integration. In Global Politics of Regionalism: Theory and Practice.
Haryani, I., Ninggrum, B. F., Audia, S., Nofrizal, & Marefanda, N. (2018). Budaya Perempuan Sebagai Objek Politik. Jurnal Public Policy, 4(1).
Hilmiati, H., Dewi, E., & Zuherni, Z. (2022). Persepsi Masyarakat atas Kepemimpinan Perempuan di Kecamatan Darussalam Aceh Besar. Jurnal Pemikiran Islam, 2(1). https://doi.org/10.22373/jpi.v2i1.13140
Horvitz, L. (2001). Applied Ethics: A Multicultural Approach. Teaching Philosophy.
Ilfah, C. N. (2022). GAMBARAN SELF ESTEEM PADA PEREMPUAN KORBAN BODY SHAMING (STUDI DI SUNGAI PAUH, KECAMATAN LANGSA BARAT KOTA LANGSA). In Universitas Islam Negeri Ar-Raniry.
Jalilah, J. (2022). GAMPONG OWNED BUSINESS AS A SHARIA ECONOMIC EMPOWERMENT IN ACEH. PROCEEDINGS: Dirundeng International Conference on Islamic Studies. https://doi.org/10.47498/dicis.v1i1.1029
Khairunnas, M., Daulay, H., & Saladin, T. I. (2022). Kepemimpinan Perempuan Aceh. PERSPEKTIF, 11(4). https://doi.org/10.31289/perspektif.v11i4.7739
Lemiyana, L., & Welta, F. (2019). Peran Perempuan Dalam Meningkatkan Kesejahteraan Keluarga Melalui Bank Sampah. Jurnal Istiqro, 5(2).
Liersch, C., & Stegmaier, P. (2022). Keeping the forest above to phase out the coal below: The discursive politics and contested meaning of the Hambach Forest. Energy Research and Social Science, 89. https://doi.org/10.1016/j.erss.2022.102537
Linge, A., Ahmad, U. S., & Setiawan, P. (2022). Maqashid Entreprenuership Dalam Fiqh Muamalah dan Ekonomi. Menara Ilmu, 16(2). https://doi.org/10.31869/mi.v16i2.3142
LNU, Z. (2021). Eksistensi Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah terhadap Konversi Bank Konvensional menjadi Bank Syariah. Jurnal Hukum Ekonomi Syariah, 5(01). https://doi.org/10.26618/j-hes.v5i01.3276
Mansur, T. M. (2018). Kajian Yuridis Peradilan Adat di Aceh. Journal of Indonesian Adat Law (JIAL), 2(3). https://doi.org/10.46816/jial.v2i3.6
Maulana, R. (2023). Implementasi Qanun No. 11 Tahun 2018 Tentang Lembaga Keuangan Syari’ah Dalam Perspektif Ibnu Khaldun. Community, 9(1).
Maulina, P. (2020). Penerapan Syariat Islam dari Sudut Pandang Media dan Perempuan di Aceh. Jurnal Komunikasi Global, 8(2). https://doi.org/10.24815/jkg.v8i2.14959
Miranda, & M.Adli. (2020). Mekanisme Penyelesaian Sengketa Gadai Tanah Pertanian (Gala) Dalam Masyarakat Hukum Adat Di Kecamatan Kuta Baro Kabupaten Aceh Besar. Jurnal Ilmiah Mahasiswa Bidang Hukum Keperdataan, 4(2).
Nazaruddin, T., Safa’at, R., Fadli, M., & Nurjaya, I. N. (2016). Legal political of Aceh sustainable spatial reconstruction based on local wisdom of Mukim Customary Legal Community. Journal of Law, Policy and Globalization, 56.
Nurdin, A., & Kasim, F. M. (2016). Resolusi konflik berbasis adat di Aceh: Studi tentang azas dan dampaknya dalam membangun perdamaian di Lhokseumawe. Aricis I.
Pietrykowski, B. (2015). Participatory Economic Research: Benefits and Challenges of Incorporating Participatory Research into Social Economics. Review of Social Economy, 73(3). https://doi.org/10.1080/00346764.2015.1044841
Putri, N. R. P. N., Wijono, S., & Hunga, I. (2016). “Paradoks cinta: Antara pengorbanan dan perpisahan” (Kajian etologis kebertahanan perempuan sebagai korban dalam lingkaran kekerasan. In Konferensi internasional feminisme: Persilangan identitas, agensi dan PolitiK (20 tahun Jurnal PeremPuan).
Rusfi, M. (2014). Validitas Maslahat Al-Mursalah Sebagai Sumber Hukum. Al-’Adalah, XII.
Sakti, M., & Ramadhani, D. A. (2023). Halal Certification of Micro and Small Enterprises’ Food Products for Consumer Protection. Amsir Law Journal, 5(1). https://doi.org/10.36746/alj.v5i1.296
Salifu, G. A.-N. (2021). Spousal Secret Affairs with Money: Intra-household Allocative Efficiency in Spaces of Gender Politics in Development. International Journal of Business Administration, 12(3). https://doi.org/10.5430/ijba.v12n3p108
Sanurdi, S. (2019). Teori Percampuran dan Pertukaran. TASAMUH: Jurnal Studi Islam, 11(1). https://doi.org/10.47945/tasamuh.v11i1.173
Sari, N. P., Ghofur, R. A., Ja’far, K., & Surono. (2021). Sharia Compliance Implementation in Gold Pawn Products at Sharia Pawnshops and Sharia Banks XYZ. Iltizam Journal of Shariah Economic Research, 5(2).
Setyadi, A. (2023). Ini Penyebab Jumlah Penduduk Miskin di Aceh Bertambah Menurut Pemprov. Detik.Com.
Sugiarti, L., Pratiwi, A., & Tinggi Ilmu Ekonomi Bima, S. (2022). Effect of Effectiveness of Working Capital on Return on Investment (Roi) Manufacturing Companies Listed on Idx. Kewirausahaan Dan Bisnis, 85(1).
Syaifullah, H. (2013). Ekonomi Islam sebagai Rahmatan Lil-Alamin. Jurnal Ekonomi Islam, 4(1).
Syamsuri, Fadillah, N. H., Kusuma, A. R., & Jamal. (2021). Analisis Qanun (Lembaga Keuangan syariah) Dalam Penerapan Ekonomi Islam Melalui Perbankan Syariah di Aceh. Jurnal Ilmiah Ekonomi Islam, 7(03).
Tambunan, T. (1 C.E.). Financial Inclusion, P2P Lending, and MSMEs: Evidence From Indonesia. Https://Services.Igi-Global.Com/Resolvedoi/Resolve.Aspx?Doi=10.4018/978-1-7998-8447-7.Ch005.
Warno, W., Isrowiyah, N., & Junusi, R. El. (2020). Development Strategy for Micro, Small and Medium Enterprises through Islamic Financial Inclusion. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1). https://doi.org/10.36835/iqtishoduna.v9i1.470
Weyant, E. (2022). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches, 5th Edition. Journal of Electronic Resources in Medical Libraries, 19(1–2). https://doi.org/10.1080/15424065.2022.2046231
Zuber-Skerritt, O., & Teare, R. (2013). Lifelong action learning for community development: Learning and development for a better world. In Lifelong Action Learning for Community Development: Learning and Development for a Better World. https://doi.org/10.1007/978-94-6209-389-8
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Yuni Risma, M. Yahya, Munadiati (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
