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The Law of Loans in Meeting the Needs of Marriage from the Perspective of Islamic Fiqh Affandi, Ahmad Zulkifli; Satrianingsih, Andi; Asdar, A
Journal of Family Law and Islamic Court Vol 2, No 2 (2023): Journal of Family Law and Islamic Court
Publisher : Family Law Study Program (Ahwal Syakhshiyah), Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jflic.v2i2.16917

Marriage in Islam as worship, follows the Sunnah of the Prophet. In modern society, high costs drive the Marriage in Islam as worship follows the Sunnah of the Prophet. In modern society, high costs drive the demand for loans, to be considered according to the principles of Islamic jurisprudence. This research explores the law of lending for marriage needs in the perspective of Islamic jurisprudence, focusing on financial solutions for new couples. Qualitative research methods with data sources from libraries, online databases, official websites of religious organizations, and electronic journals. The results showed that in the perspective of Islamic jurisprudence, taking a loan for marriage is permissible on the condition of good faith, emergency, and the ability to pay off debts. The views of scholars vary, but the main principle is to maintain chastity and build an Islamic family by avoiding usury. The implementation of loan law emphasizes clear agreements and intentions, without interest or usury, as well as transparency of terms and conditions. Good intentions, halal fulfillment, ability to pay back, and fairness in transactions are key. Maintaining these principles ensures community involvement in lending that adheres to Islamic values, supports financial policies that are in accordance with Islamic ethics and morals, provides long-term benefits to Islamic families and communities. In conclusion, marriage loans in Islamic jurisprudence are permissible on condition of good faith, emergency, and ability to repay. Implementation requires agreement and clear intentions, no interest, upholding Islamic values, and ensuring long-term benefits for Islamic families and communities

The Law of Loans in Meeting the Needs of Marriage from the Perspective of Islamic Fiqh Affandi, Ahmad Zulkifli; Satrianingsih, Andi; Asdar, A
Journal of Family Law and Islamic Court Vol. 2 No. 2 (2023): Journal of Family Law and Islamic Court
Publisher : Family Law Study Program (Ahwal Syakhshiyah), Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jflic.v2i2.16917

Marriage in Islam as worship, follows the Sunnah of the Prophet. In modern society, high costs drive the Marriage in Islam as worship follows the Sunnah of the Prophet. In modern society, high costs drive the demand for loans, to be considered according to the principles of Islamic jurisprudence. This research explores the law of lending for marriage needs in the perspective of Islamic jurisprudence, focusing on financial solutions for new couples. Qualitative research methods with data sources from libraries, online databases, official websites of religious organizations, and electronic journals. The results showed that in the perspective of Islamic jurisprudence, taking a loan for marriage is permissible on the condition of good faith, emergency, and the ability to pay off debts. The views of scholars vary, but the main principle is to maintain chastity and build an Islamic family by avoiding usury. The implementation of loan law emphasizes clear agreements and intentions, without interest or usury, as well as transparency of terms and conditions. Good intentions, halal fulfillment, ability to pay back, and fairness in transactions are key. Maintaining these principles ensures community involvement in lending that adheres to Islamic values, supports financial policies that are in accordance with Islamic ethics and morals, provides long-term benefits to Islamic families and communities. In conclusion, marriage loans in Islamic jurisprudence are permissible on condition of good faith, emergency, and ability to repay. Implementation requires agreement and clear intentions, no interest, upholding Islamic values, and ensuring long-term benefits for Islamic families and communities

Model of Islamic Governance and Judicial Independence: A Study of the Separation of Powers in the Era of Khulafaur Rasyidin I'tishan, Bani Adam; Affandi, Ahmad Zulkifli; Talli, Abdul Halim; Asni, Asni
Journal Research of Social Science, Economics, and Management Vol. 4 No. 11 (2025): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v4i11.888

The separation of powers is a fundamental principle for ensuring justice and preventing the abuse of authority within a governance system. In the context of Islamic history, particularly during the Rashidun Caliphate, the need to distinguish between executive and judicial authority emerged as essential to uphold legal integrity and the rule of justice. This study aims to analyze the early development (embryo) of the separation of powers during the Rashidun era, identify the socio-historical factors that influenced it, and evaluate its impact on the effectiveness and integrity of the Islamic judicial system. This research employs a socio-historical approach, utilizing content analysis of classical Islamic texts and historical documents, as well as historical comparison of governance practices of the period. The findings indicate that the institutionalization of judicial independence began under the leadership of Caliph Umar ibn al-Khattab through the appointment of independent qadis, provision of stable salaries, and the establishment of judicial oversight mechanisms. Factors such as urbanization, territorial expansion, increasing societal complexity, and the need for administrative efficiency were central to these reforms. The study concludes that the separation of powers in the Rashidun era was not only a pragmatic solution to governance challenges but also a reflection of core Islamic principles of justice. This historical model offers a valuable precedent for strengthening judicial independence and ethical governance, and remains relevant as a reference for contemporary judicial reform in Muslim-majority societies.

Islamic Microfinance Innovation: BMT Strategies for Enhancing Financial Inclusion and Economic Empowerment Affandi, Ahmad Zulkifli; Syatar, Abdul; Sapa, Nasrullah Bin
JURNAL EKONOMI SYARIAH Vol 10, No 2 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i2.15881

Baitul Mal wa Tamwil (BMT), as an Islamic microfinance institution, plays a pivotal role in providing fair and inclusive financial access to micro, small, and medium enterprises (MSMEs) in Indonesia. This study aims to comprehensively analyze the functions, product variations, and socio-economic roles of BMT, while also identifying the opportunities and challenges for BMT development in the modern era. Employing a qualitative descriptive approach through literature review, this research examines various sources related to Islamic microfinance and BMT. The analysis reveals that BMT not only serves as a provider of Sharia-compliant financing and manager of religious social funds, but also acts as an agent of community economic empowerment. In the digital era, BMT has significant opportunities to expand its services through product innovation and technology integration; however, it also faces challenges such as limited human resources, the need for stronger governance, and adaptation to evolving regulations and technologies. These findings highlight the importance of enhancing institutional capacity, strengthening Sharia financial literacy, and fostering collaboration with various stakeholders to optimize BMT’s role in supporting community economic empowerment and advancing sustainable Islamic financial inclusion.

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