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All Journal JURNAL EKONOMI SYARIAH Devotion: Journal of Research and Community Service Journal of Family Law and Islamic Court
Affandi, Ahmad Zulkifli
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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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

Abstract

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

Abstract

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
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

Abstract

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.
Regulatory Disharmony Paradigms and Patterns in Islamic Finance: Integrative Strategy for Islamic Law-Based Transformation Affandi, Ahmad Zulkifli; Kurniati, Kurniati; Ilyas, Musyfikah
Devotion : Journal of Research and Community Service Vol. 6 No. 12 (2025): Devotion: Journal of Community Research
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v6i12.25586

Abstract

This study aims to analyze the patterns of regulatory disharmony in Indonesia’s Sharia digital economy and propose an integrative harmonization strategy based on Islamic law principles to strengthen institutional synergy, legal certainty, and sector competitiveness. This normative-juridical research employs a qualitative descriptive-analytical approach, using secondary data from laws, regulations, fatwas, official reports, and academic literature. Data were analyzed through content and thematic analysis to identify regulatory gaps and formulate policy recommendations. The study identifies four main patterns of disharmony: (1) delayed DSN-MUI fatwas on fintech innovations, (2) dual OJK-BI authority in bank-fintech supervision, (3) unclear regulations on blockchain and smart contracts, and (4) vulnerability to Sharia-based fraud. These issues stem from weak coordination among OJK, BI, DSN-MUI, the Ministry of Cooperatives, and the Ministry of MSMEs. Regulatory harmonization is essential to unlock the full potential of Indonesia’s Sharia digital economy. An integrative strategy involving a Regulatory Harmonization Task Force, an integrated information system (SITRFES), joint SOPs, and a phased implementation roadmap (2026–2031) is proposed to enhance coordination, accelerate innovation, and ensure Sharia compliance. The findings offer actionable insights for policymakers and regulators to strengthen cross-institutional synergy, improve legal certainty, and position Indonesia as a resilient and competitive global hub for Islamic finance. Lessons from Malaysia’s BNM-SAC model and the UAE’s DFSA-HSA framework provide valuable benchmarks for implementation.
Co-Authors Asdar, A Kurniati Kurniati Musyfikah Ilyas Nasrullah Bin Sapa Satrianingsih, Andi Syatar, Abdul