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All Journal Ulumuddin : Jurnal Ilmu-ilmu Keislaman
Herdifa Pratama
IAI Imam Syafii Pekanbaru Indonesia
Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Perspektif Hukum Islam terhadap mekanisme Autodebet bagi Kepatuhan Peserta Asuransi BPJS Muhajirin Muhajirin; Herdifa Pratama; Irwan Tutrisno; Nurlaili Jannati; Bobby Ferly
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 15 No 2 (2025): Ulumuddin: Jurnal Ilmu-Ilmu Keislaman
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v15i2.3118

Abstract

This study examines the autodebit system for BPJS Kesehatan contributions among Non-Wage Recipient Workers from an Islamic legal perspective. Using a qualitative juridical-normative approach through library research, this study combines Islamic jurisprudence, regulatory frameworks, and previous studies. The findings indicate that autodebit effectively enhances payment discipline, reduces arrears, and sustains participation. From an Islamic perspective, autodebit is permissible as long as the contract is clear, voluntary, and free from gharar, riba, and coercion. It also aligns with the maqāṣid al-sharī‘ah principles of justice, facilitation, and public welfare. This study provides reassurance for Muslim participants that the autodebit mechanism is consistent with Islamic values and supports the sustainability of the JKN program in Indonesia.
Konstruksi Hybrid Contract pada Platform Exchange Cryptocurrency dalam Perspektif Fikih Muamalah Herdifa Pratama; Febri Kusuma; Landes Yuanda; Muhajirin Muhajirin
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 16 No 2 (2026): In Progress
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v16i2.3676

Abstract

The rapid growth of cryptocurrency and exchange platforms has established new legal relationships that cannot be fully explained through a single contract ('aqd) construction in Islamic commercial law. This normative legal research, employing conceptual and fiqh muamalah approaches, aims to analyze the contractual construction of cryptocurrency exchange operations from a Hybrid Contract (al-'uqūd al-murakkabah) perspective. Data were analyzed qualitatively using content analysis. The findings indicate that custodial exchange platforms create a Hybrid Contract structure comprising wakālah bi al-ujrah, ijārah, wadī‘ah, and potential qardh if user assets are utilized by the platform. This study focuses on asset management and custody characteristics rather than determining the permissibility of cryptocurrency. The study offers a conceptual Hybrid Contract model as a comprehensive analytical framework in contemporary fiqh muamalah.
Co-Authors Bobby Ferly Febri Kusuma Irwan Tutrisno Landes Yuanda Muhajirin Muhajirin Nurlaili Jannati