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All Journal Tahkim (Jurnal Peradaban dan Hukum Islam) Islam Futura AJIS : Academic Journal of Islamic Studies Jurnal Ekonomi Islam Jurnal Basicedu TAHKIM HUKUMAH: Jurnal Hukum Islam El-Usrah: Jurnal Hukum Keluarga Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Jurnal AL-AHKAM AL-FALAH : Journal of Islamic Economics Jurnal Ekonomi Syariah Pelita Bangsa USRAH: Jurnal Hukum Keluarga Islam Jurnal Basicedu Al-Istinbath: Jurnal Hukum Islam Innovative: Journal Of Social Science Research Jurnal Ekonomi Islam Al-Rasikh : Jurnal Hukum Islam Al Ushuliy Iklila: Jurnal Studi Islam dan Sosial BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Bahar, Muchlis
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Defisit Keridhaan Pengelolaan Dana Tunggu Haji: Tinjauan Kritis Fikih Muamalah Ferly, Bobby; Bahar, Muchlis; Elfia, Elfia
HUKUMAH: Jurnal Hukum Islam Vol 8, No 2 (2025): HUKUMAH
Publisher : STAI Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55403/hukumah.v8i2.1100

Abstract

Ayat an tarāḍin minkum (QS. An-Nisā: 29) menetapkan keridhaan sebagai fondasi etis transaksi syariah. Sayangnya, model persetujuan tunggal pada setoran awal haji di BPKH memicu "defisit keridhaan", sebuah diskrepansi serius antara mandat pasif jemaah dengan kompleksitas strategi investasi jangka panjang yang risikonya terus berubah. Penelitian yuridis-normatif ini mengkritisi fenomena tersebut menggunakan data sekunder, termasuk regulasi UU Nomor 34 Tahun 2014 dan laporan keuangan terkait. Studi ini mengungkap "paradoks kinerja", di mana kesuksesan administratif seperti opini Wajar Tanpa Pengecualian (WTP) justru mengaburkan informasi krusial mengenai profil risiko dan kegagalan target imbal hasil, sehingga mendegradasi kualitas ridha. Lebih jauh, konstruksi akad wakālah bil istithmār yang statis tanpa mekanisme evaluasi berkala dianggap menciptakan gharar temporal dan melemahkan posisi tawar jemaah. Guna mengatasi intertemporal mis-consent, penelitian merekomendasikan restrukturisasi tata kelola melalui siklus pembaruan persetujuan (Consent Renewal Cycle) tiap lima tahun, penyediaan opsi risiko terdiferensiasi (Amanah, Berkah, Tumbuh), serta transparansi radikal via dasbor "My-Manfaat". Reformasi ini diharapkan mampu memulihkan legitimasi syariah, memperkuat peran Dewan Pengawas Syariah, serta menekan risiko keagenan demi perlindungan hak jemaah yang lebih substantif.
MARRIAGE CRISIS AMONG MILLENNIALS IN THE DIGITAL ERA: An Etnographic Study on TikTok and Islamic Family Law Perspectives Putra, Yulizain; Bahar, Muchlis; Kholidah; Azwar, Zainal
Jurnal Studi Islam dan Sosial Vol 8 No 2 (2025): November 2025
Publisher : Sekolah Tinggi Agama Islam (STAI) Khozinatul Ulum Blora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61941/iklila.v8i2.444

Abstract

The rapid development of digital technology has significantly influenced social dynamics, particularly the institution of marriage among the millennial generation. This study aims to examine the marriage crisis in the digital era through a netnography approach on TikTok, a popular social media platform among millennials. The netnographic method was employed to analyze content, interactions, and narratives about marital issues shared by TikTok users. Findings reveal that digitalization has brought significant changes in communication, expectations, and conflict resolution among spouses, often leading to crises and divorces. Social media also functions as a public space that expands discourse on marriage issues but may exacerbate problems due to the spread of inaccurate information. This study assesses the relevance of these findings to family law in Indonesia, especially concerning the protection of the rights of spouses and children in the context of modern marriage. The study recommends updating family law policies to be more responsive to challenges in the digital era to ensure healthy and fair marital continuity. Therefore, this research contributes valuable insights to family law studies and the social dynamics of digital millennials.
Islamic Banking in Iran: Hopes and Challenges of Being Free from Usury Meirison, Meirison; Nasution, IIlman; Ajeela, Alaa Mustafa Abdel- al-Maqsoud Abu; Darmaiza, Darmaiza; Bahar, Muchlis
Islam Futura Vol 26 No 1 (2026): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v261.34730

Abstract

Usury is a criminal offense punishable by Law in Iran, based on Islamic Sharia. The Iranian Constitution explicitly prohibits Usury, and Article 595 of the Islamic Penal Code criminalizes both lenders and borrowers, imposing penalties including imprisonment, fines, and lashing. The purpose of this regulation is to establish a link between banks and the market and to direct funds to the real sector of the economy to achieve development, productivity, and job creation, thus allowing funds to flow directly to producers and traders and circulate in the actual goods market. However, financial institutions continue to use traditional interest-based methods, and a decision by the Monetary and Credit Board allows monthly "pre-profit" payments to depositors, effectively eliminating the concept of interest-free banking. Pre-profit is distributed before the bank uses its funds for products or business partners, incurring monthly expenses for the bank even before financing activity begins. Consequently, the cost of capital increases as interest rates rise. In writing this article, we conducted a literature review using a qualitative approach and descriptive explanations. We found discrepancies between anti-usury laws and banking practices in several areas, despite considerable efforts and determination to avoid Usury. Funds available in banks are sometimes not circulated in the production sector, remaining more consumptive and diverted to speculative markets, leading to inflation and bank failure. Banking laws and their role must be revised to directly engage with production factors, which are overseen by the Fiqh Council of the central bank and state-owned banks.
Co-Authors 'Afifa Zulkifli, Rizka Abdi, Syafral Ahmad Wira, Ahmad Ajeela, Alaa Mustafa Abdel- al-Maqsoud Abu Alfin, Aidi Alias, Norma Amin, Ibnu Amri Amir Anak Agung Istri Sri Wiadnyani Andeska, M. Niko Azwar, Zainal Bobby Ferly Darmaiza, Darmaiza Desmadi Saharuddin, Desmadi Duhriah, Duhriah Elfia Elfia Elfia Fathurohman, Muhammad Faozan Firdaus Firdaus Firman Hidayat Fitri, Atika Fitri, Desi Widya Hadi, Wildan Hasibuan, Hafni Juniyanti Hayattullah, Kumaini Husnul Fatarib Irfan AD, Muhammad Karimullah, Suud Sarim Kholidah Lendrawati Lendrawati, Lendrawati M. Hidayat Ediz Mahatta, Afdhalia Meirison Meirison, Meirison Nasution, IIlman nusrida, helda Permata Sari, Indah Putra, Yulizain Rozalinda Rozalinda Sahara, Elfi Salem Al-Saedy, Ibrahim bin Salma Salma Siraj, Firdaus Sri Afri Delia Wiza, Rahmi Yusrial Yusrial Zulkifli Zulkifli