Iqbal Maulana
UIN Syarif Hidayatullah Jakarta

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KONSEP HIWALAH DALAM FIQH KLASIK DAN PENERAPANNYA DALAM SISTEM TRANSFER DIGITAL Iqbal Maulana; Muhamad Zen
MISYKAT AL-ANWAR JURNAL KAJIAN ISLAM DAN MASYARAKAT Vol 9 No 2 (2026)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

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Abstract

Hiwalah represents a humane mechanism of debt transfer rooted in Islamic principles of justice and solidarity. In classical fiqh, hiwalah refers to the transfer of a debtor’s obligation (muhil) to another party (muhal ‘alaih) who agrees to assume the debt. It is more than a simple adjustment of accounts, it embodies mutual help and economic balance within society. In modern times, the essence of hiwalah can be seen in bank transfers, remittance systems, and digital payment platforms such as mobile banking and e-wallets. This study explores how the classical concept of hiwalah can be adapted to digital transfer systems that dominate contemporary economic activities. Using a qualitative literature review of classical fiqh sources (Al-Mughni, Al-Mabsuth) and DSN-MUI Fatwa No.12/2000, this study finds that digital transfers may qualify as hiwalah when liability shifts legitimately between consenting parties. Such consent may occur orally, in writing, or through electronic agreement. However, if the transaction merely involves safekeeping of funds, it is more appropriately regarded as wadi‘ah. Thus, the application of hiwalah in digital systems reflects the flexibility of Islamic jurisprudence in harmonizing timeless principles with modern financial realities. The novelty of this study lies in its attempt to reinterpret classical hiwalah principles in the context of digital financial systems.
An Analysis of Aisyiyah’s Islamic Educational Policies for Family and Community Empowerment: Insights from Siti Chamamah Soeratno Iqbal Maulana; Muhammad Firdaus
At-Ta'lim : Media Informasi Pendidikan Islam Vol 25, No 1 (2026): JUNE
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/attalim.v25i1.9779

Abstract

ENGLISH: An Analysis of Aisyiyah’s Islamic Educational Policies for Family and Community Empowerment: Insights from Siti Chamamah Soeratno  Objective: This study examines Aisyiyah’s Islamic educational policies for strengthening families and communities through the cultural perspective of Siti Chamamah Soeratno. Method: Using a qualitative library research approach, the study analyzes Aisyiyah’s official documents and Chamamah’s scholarly works on Islamic education, culture, gender, and community development through content analysis. Results: The findings reveal that Aisyiyah’s policies emphasize mothers as primary educators, early Islamic character formation, community-based education, and the integration of da‘wah with social empowerment. Chamamah’s perspective reinforces these policies by positioning cultural literacy, humanistic communication, and women’s agency as essential foundations of family and community education. Conclusion: Aisyiyah’s educational policies constitute a holistic framework for empowering Muslim families and communities by integrating Islamic values, education, and cultural engagement. Contribution: This study contributes a cultural literacy perspective that enriches the discourse on Islamic educational policy, women’s educational movements, and family- and community-based Islamic education. Keywords: Islamic Educational Policy; Aisyiyah; Family-Based Education; Community Education; Siti Chamamah Soeratno.INDONESIAN: Analisis Kebijakan Pendidikan Islam Aisyiyah untuk Pemberdayaan Keluarga dan Masyarakat: Perspektif Siti Chamamah SoeratnoTujuan: Penelitian ini menganalisis kebijakan pendidikan Islam Aisyiyah dalam memperkuat keluarga dan masyarakat melalui perspektif pemikiran kultural Siti Chamamah Soeratno. Metode: Penelitian menggunakan pendekatan kualitatif dengan metode studi pustaka melalui analisis isi terhadap dokumen resmi Aisyiyah serta karya-karya Siti Chamamah Soeratno mengenai pendidikan Islam, budaya, gender, dan pengembangan masyarakat. Hasil: Temuan menunjukkan bahwa kebijakan pendidikan Aisyiyah menekankan peran ibu sebagai pendidik utama, pembentukan karakter Islami sejak dini, pendidikan berbasis komunitas, serta integrasi dakwah dengan pemberdayaan sosial. Pemikiran Chamamah memperkuat kebijakan tersebut melalui literasi budaya, komunikasi humanis, dan agensi perempuan. Kesimpulan: Kebijakan pendidikan Aisyiyah membentuk kerangka holistik bagi pemberdayaan keluarga dan masyarakat Muslim. Kontribusi: Penelitian ini memperkaya kajian kebijakan pendidikan Islam melalui perspektif literasi budaya dalam gerakan pendidikan perempuan berbasis keluarga dan komunitas.