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All Journal Qistie: Jurnal Ilmu Hukum Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal Akta Unes Law Review Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Pena Justisia: Media Komunikasi dan Kajian Hukum Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan IIJSE Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Parewa Saraq: Journal of Islamic Law and Fatwa Review Qiyas : Jurnal Hukum Islam dan Peradilan
Harahap, Arifuddin Muda
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences

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DSN-MUI Fatwas and Islamic Retirement Planning: A Maqāṣid al-Sharīʿah Review of Financial Security among Non-Civil Servant Lecturers in Indonesia Ahyani, Hisam; Harahap, Arifuddin Muda; Mustofa; Rahim, Abdul; Tanjung, Indra Utama; Mutmainah, Naeli; Gumel, Salisu
Parewa Saraq: Journal of Islamic Law and Fatwa Review Vol. 5 No. 1 (2026): Parewa Saraq: Journal of Islamic Law and Fatwa Review
Publisher : MUI Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64016/parewasaraq.v5i1.78

Abstract

Retirement preparedness among non-civil servant lecturers in Indonesia has emerged as a critical issue due to the absence of comprehensive institutional pension schemes. This study critically examines the role of fatwas issued by the Dewan Syariah Nasional–Majelis Ulama Indonesia (DSN-MUI) in shaping Islamic retirement financial planning, employing a Maqāṣid al-Sharīʿah framework. It focuses particularly on fatwas related to sharia investment, partnership contracts (muḍārabah and mushārakah), and Islamic capital market practices. Using a qualitative socio-legal approach, this research integrates normative analysis of DSN-MUI fatwas with empirical data from interviews with non-civil servant lecturers across several regions in Indonesia. The findings reveal a normative–practical gap: while DSN-MUI fatwas provide comprehensive ethical and legal guidance for halal financial planning, their application in retirement strategies remains partial and adaptive. Lecturers tend to adopt halal investment, productive assets, and entrepreneurial activities; however, these practices are not always directly grounded in specific fatwa reasoning but are mediated by general Islamic economic ethics. From a maqāṣid perspective, this reflects the realization of ḥifẓ al-māl, yet also indicates limitations in the operationalization of fatwa authority in everyday financial decision-making. This study argues that DSN-MUI fatwas function not only as doctrinal legal products but also as instruments of financial governance whose effectiveness depends on institutional dissemination and socio-economic context. By highlighting the gap between normative fatwa frameworks and lived financial practices, this research contributes to contemporary fatwa discourse, particularly in strengthening the role of fatwa governance in Islamic retirement planning and financial policy development.
Co-Authors Abdul Muthalib Abdul Rahim Angriani, Devi Ansari Ansari Aryanti, Cindy Asmuni Asmuni Aulia, Riza Bangun, Ibnu Fauzi Chandra, Ahmadil Dharma, Yafiz Arya Endra Wijaya, Septeddy Faradila, Iis Erika Gumel, Salisu Habibi Siregar, Awaluddin Haekal, M.Fikri Harahap, Ahmad Faris Rivaldi Hasan, Miftahul Hisam Ahyani Indira, Safira Prima Indra Utama Tanjung Kesuma, Diva Ariza Mapaung, Watni Miftakhul Huda MOCHAMMAD ERWIN RADITYO, MOCHAMMAD ERWIN Muhammad Nawawi Muhammad Syukri Albani Nasution Muhazir Muhazir, Muhazir Mustofa Mustofa Mutmainah, Naeli Naeli Mutmainah Naelul Azmi Najjar Alavi, Ivan Nasution, Liantha Adam Pagar, Pagar Permana, Yudhi Prasetiya, Nurul Huda Rafly, M. Rinaldi, Deby Rizky, Fauzi Masfa Sérgio António Neves Lousada Siahaan, Arifin Siregar, Dangas Sitorus, Kamilatun Nisa Sofianti, Adella Iragil Tambunan, Abd Aziz Watni Marpaung Yamamah, Ansari