Innovation of Lease Model of Agricultural Machinery through Digitalization of Productive Waqf to Sustain Economic Resilience in East Java
DOI:
https://doi.org/10.33830/elqish.v6i1.13420.2026Keywords:
Agricultural Machinery Leasing, Digital Waqf, Islamic Social Finance, Penta Helix Collaboration, Agricultural CrowdfundingAbstract
East Java, as Indonesia’s most populous province with the largest farming population, faces major agricultural productivity challenges due to limited access to machinery among smallholder and low-income farmers. This study aims to develop a lease-use model for agricultural machinery targeting farmers who live below the poverty line through the digitalization of productive waqf in order to enhance economic resilience. This research employs a descriptive qualitative approach using secondary data to formulate a model tailored to the needs of farmers. The findings reveal a lease-use mechanism for agricultural equipment that operates through several stages of waqf crowdfunding: (1) Al-Waqif (donors) register and contribute funds via a digital platform; (2) Al-Mauquf Alaihi (farmers) apply and borrow machinery under specified terms; and (3) the Indonesian Waqf Board and Sharia banks manage the system under regulatory supervision. The results indicate that this model has the potential to improve farmers’ access to modern agricultural machinery, reduce production costs, and strengthen rural economic resilience through sustainable waqf-based financing. Furthermore, this study contributes to the literature by bridging the gap between Islamic social finance innovation and digital agricultural support systems and offers a sustainable and inclusive approach to agricultural development.
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