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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Al-Manahij: Jurnal Kajian Hukum Islam IBDA` : Jurnal Kajian Islam dan Budaya Al-'Adalah AL-Daulah YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Potret Pemikiran Amalee: Indonesian Journal of Community Research & Engagement Journal of Islamic Law Mazahib: Jurnal Pemikiran Hukum Islam Akademika : Jurnal Pemikiran Islam Al-Mujtahid: Journal of Islamic Family Law Indonesian Journal of Shariah and Justice Al-Istinbath: Jurnal Hukum Islam Al-Mustafid: Journal of Quran and Hadith Studies JINNSA : Jurnal Interdisipliner Sosiologi Agama Jurnal Ilmiah Pengabdian Kepada Masyarakat (Nyiur-Dimas)
Ahmad Rajafi
Jurusan Syari’ah STAIN Manado Jl. Camar V Perumnas Bawah Ranomuut Manado
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Practice of Hilah in Contemporary Islamic Transactions and Finance: Between Legal Engineering and Sharia Objectives Sunaryo, Agus; Zain, Muhammad Fuad; Rajafi, Ahmad; Zein, Anwar
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 9, No 1 (2025): Vol. 9, No. 1, October 2025
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v9i1.47682

Abstract

Hilah is one of the essential concepts in the corpus of Islamic law, referring to a legal strategy employed to circumvent specific prohibitions without explicitly violating the textual provisions (nash). In the contemporary context, particularly within Islamic commercial law and modern Islamic finance, the concept of hilah has been extensively applied in financial products such as murabahah, tawarruq, and ijarah muntahiyah bi al-tamlik. This article aims to critically examine the implementation of hilah in modern Islamic economic practices and assess its alignment with maqashid sharia. The research adopts a normative juridical approach, employing content analysis of classical fiqh literature, contemporary fatwas issued by authoritative bodies such as the National Sharia Council-Indonesian Ulema Council and the Accounting and Auditing Organizations for Islamic Financial Institutions (AAOIFI), along with case studies from Islamic financial institutions. The findings reveal that although hilah may serve as a flexible legal instrument that offers certain benefits (maslahah) under specific circumstances, its manipulative use, particularly when driven solely by economic gain, can undermine the integrity and spirit of Islamic law. In practice, excessive reliance on hilah risks disguising forms of usury and compromising core principles of Islamic finance, such as justice, transparency, and protection for vulnerable parties. Therefore, strengthening regulatory and ethical frameworks in the development of Islamic financial products is imperative. Emphasis must be placed on a maqashid-oriented approach in assessing the validity of contracts, considering both formal legal compliance and substantive ethical and economic impact. This article recommends formulating fatwa guidelines grounded in maqashid and enhancing sharia literacy among practitioners in Islamic finance.
Understanding the Implications of Marriage Law Amendments: Marriage Dispensation Cases in Indonesian Religious Courts Yetta, Yasin; Rajafi, Ahmad; Subeitan, Syahrul Mubarak
AL-ISTINBATH : Jurnal Hukum Islam Vol 9 No 1 (2024)
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jhi.v9i1.8979

Abstract

This article aims to determine the implications of changing Law Number 1 of 1974 to Law Number 16 of 2019 concerning Marriage Dispensations in Indonesian Religious Courts. Specifically, this research seeks to analyze the increase in cases of post-amendment dispensation and explore the factors contributing to the gap between legal mandates and community practices regarding early marriage. This research uses a qualitative approach with a juridical perspective using comprehensive data analysis from Religious Courts in various regions in Indonesia. The data sources include decisions from the Directory of Decisions of the Supreme Court of the Republic of Indonesia, which focus on requests for dispensation. The analysis involves data collection, selection, sorting, reduction, and conclusion, aiming to effectively meet research objectives and address research gaps. This study integrates legal norms and societal dynamics to comprehensively understand the failure of the Amendment and its implications for the marriage dispensation in Indonesia. The analysis revealed a significant increase in requests for dispensation after the amendment. This reflects the challenges in dealing effectively with early marriage. Cultural pressures, institutional inconsistencies, and societal complexity contribute to the rise in cases of dispensation, underscoring the need for a different approach to legal reform and societal practice. Despite efforts to equalize the marriage age and prevent early marriage, the Amendment has not effectively addressed societal realities, resulting in a gap between legal mandates and actual practice.
Socio-Religious Development for Muslims with Visually Impaired or Blind Disabilities in Manado City Rajafi, Ahmad; Jan, Radlyah Hasan; Susanti, Ressi; Igisani, Rithon
Amalee: Indonesian Journal of Community Research and Engagement Vol. 3 No. 1 (2022): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v3i1.1307

Abstract

The purpose of community service by mentoring and coaching in socio-religious contexts for Muslims with visually impaired or blind disabilities in Manado city is to increase the spirit of religiosity and social lives. This community service activity was held at the Indonesian Muslim Disabilities Visibility Association office in Manado city from June to December 2021, employing the Asset Based Community Development method, prioritizing the utilization of existing assets and potential owned by them. As a result, there is an increase in knowledge in prayer practice. They can now implement fiqh thaharah and Janazah prayer practices well and perfectly. They also now can socialize by benefiting others, especially their readiness to be hosts or MCs, readers of the Qur'an, and preachers, beyond the skills they already have had. There were also jointly formulated by the program organizers and participants three follow-up solutions: continuous mental strengthening, a rapid environment learning, and constantly improving the special skills they have learned. Tujuan pengabdian kepada masyarakat dengan pendampingan dan pembinaan dalam konteks sosial keagamaan bagi tunanetra Muslim di kota Manado adalah untuk meningkatkan semangat keagamaan dan kehidupan sosial mereka. Kegiatan pengabdian masyarakat ini dilaksanakan di kantor Ikatan Tunanetra Muslim Indonesia di kota Manado pada bulan Juni hingga Desember 2021 dengan metode Asset Based Community Development yang mengutamakan pemanfaatan aset yang ada dan potensi yang telah dimiliki. Alhasil, terjadi peningkatan pengetahuan dalam amalan shalat. Mereka kini dapat melaksanakan amalan fiqh thaharah dan shalat Janazah dengan baik dan sempurna. Mereka juga kini bisa bersosialisasi dengan memberi manfaat bagi orang lain, terutama kesiapan mereka menjadi pembawa acara atau MC, pembaca Al-Qur'an, dan khatib, di luar keterampilan yang sudah mereka miliki sebelumnya. Ada pula tiga solusi tindak lanjut yang dirumuskan bersama oleh penyelenggara program dan peserta: penguatan mental terus-menerus, pembelajaran lingkungan yang cepat, dan terus-menerus meningkatkan keterampilan khusus yang telah mereka pelajari.
Religiulitas Gaya Berbusana Mahasiswa Muslim Di Kota Manado Wulandari, Wishela; Rajafi, Ahmad; Alfiyani, Nur
Jurnal JINNSA (Jurnal Interdipliner Sosiologi Agama) Vol 3 No 2 (2023): Volume 3 Nomor 2 Tahun 2023
Publisher : Program Studi Sosiologi Agama Fakultas Ushuluddin, Adab dan Dakwah IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jinnsa.v3i2.791

Abstract

Judul penelitian yaitu religiusitas gaya berbusana mahasiswi muslim di Kota Manado. Kota Manado adalah kota bermayoritas non-muslim, mahasiswi di kota mando memiliki latar belakang pendidikan, agama, dan budaya yang berbeda-beda, sehinga gaya berbusana mahasiswi muslim di Kota Manado lebih mengikuti gaya berbusana yang sedang trend di media sosial saat ini, serta mengikuti gaya berbusana di lingkungan yang berbeda dari wilayah lain karena daerah tersebut adalah daerah non-muslim, sehingga faktor itu yang dapat mempengaruhi mahasiswi di Kota Manado yang mengunakan busana muslim. Hubungan religiusitas dengan gaya berbusana mahasiswi itu dapat di lihat melalui gaya berbusana seseorang semakin tinggi tingkat religiusitas seseorang maka semakin sopan dan lebih mngikuti gaya busana sesuai dengan syari`at islam, begitu juga dengan sebaliknya semakin rendah tingkat religiusitasnya maka cara berbusananya pun masih terbuka. Penelitian ini dilakukan terhadap informan mahasiswi muslim tanpa hijab, dengan hijab, dan bercadar di Kota Manado. Sehingga hasil dari penelitian tersebut dapat di sempulkan bahwa faktor yang mempengaruhi ideologi prinsip di diri, beragama, dapat merubah diri, serta gaya berbusana seseorang itu juga bisa berpengaruh terhadap lingkungan, dan terdapat mahasiswi muslim di Kota Manado ada yang masih tidak mengunakan hijab karena faktor dari lingkungan itu sendiri.
Co-Authors Adilah, Naili Agatasari, Fibrina Agus Sunaryo Aisyah, Lisa Alfiyani, Nur Amansyah, Fajar Djabli, Irfan Evra Willya Fariska Manggara Hamhij, Hamhij Hammadi, Hammad Farhan Hasyim Sofyan Lahilote Hiola, Ibrahim Igisani, Rithon Ilham, Abrari Jabbar, Israa Natiq Jamaluddin, Yuliana Jan, Radlyah Hasan Ladiqi, Suyatno Lasido, Nur Allan Lusiana, Vinna Mahrus, Aiman Abdurrahman Mohamed Ahmed, Ahmed Mustafa, Irawati Nasruddin Yusuf, Nasruddin Pedju, Rizaldy Purnomo Rafiud Ilmudinulloh Reksamunandar, Rhyan Prayuddy Salma Salma Sandimula, Nur Shadiq Subeitan, Syahrul Mubarak Sugitanata, Arif Suleman, Frangky Susanti, Ressi Taha Alkanan, Omer Mohamed Taufik Taufik Wulandari, Wishela Yetta, Yasin Zain, Muhammad Fuad Zein, Anwar