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All Journal Justisia Ekonomika Al-Muamalat : Jurnal Ekonomi Syariah
Yunus, Ayi
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Humanities Economics, Econometrics & Finance Social Sciences

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Analysis of Qawa’id Fiqhiyyah in the Utilization of Zakat as a Solution to Illegal Online Loans Efendi, Nur; Bisri, Hasan; Yunus, Ayi; Luminaries, Rayan Asa
Al-Muamalat: Jurnal Ekonomi Syariah Vol 12, No 1 (2025): January (IN PRESS)
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.40687

Abstract

The phenomenon of online loans has become a pressing societal issue, affecting many individuals struggling with debt repayment, contributing to rising suicide rates. Zakat, as an Islamic social finance instrument, should help mitigate these negative impacts. This article examines the utilization of zakat funds as a solution to the online loan crisis from the perspective of Qawa’id Fiqhiyyah (Islamic legal maxims). Using a normative juridical approach with descriptive analysis, this study explores the application of Qawa’id Fiqhiyyah in utilizing zakat funds to address online loan issues. The findings reveal that zakat can address online loan problems, aligning with the maxim that “harm must be eliminated.” Borrowers often experience harm, such as threats, intimidation, and data breaches when they cannot repay debts. Zakat offers assistance to victims, helping them avoid actions violating Islamic principles, in line with the maxim “hardship brings ease.” However, borrowers must meet the gharim criteria, especially if the loans were used to purchase prohibited items under Islamic law. This study provides a novel perspective on zakat by employing the Qawa’id Fiqhiyyah approach to tackle the issue of online loans in Indonesia. It aims to enrich the literature and broaden the application of Islamic legal maxims in social finance. Additionally, this research can serve as a reference for zakat institutions in designing policies and distribution mechanisms to assist communities affected by online loans.
Analysis of Qawa’id Fiqhiyyah in the Utilization of Zakat as a Solution to Illegal Online Loans Efendi, Nur; Bisri, Hasan; Yunus, Ayi; Luminaries, Rayan Asa
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 1 (2025): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.40687

Abstract

The phenomenon of online loans has become a pressing societal issue, affecting many individuals struggling with debt repayment, contributing to rising suicide rates. Zakat, as an Islamic social finance instrument, should help mitigate these negative impacts. This article examines the utilization of zakat funds as a solution to the online loan crisis from the perspective of Qawa’id Fiqhiyyah (Islamic legal maxims). Using a normative juridical approach with descriptive analysis, this study explores the application of Qawa’id Fiqhiyyah in utilizing zakat funds to address online loan issues. The findings reveal that zakat can address online loan problems, aligning with the maxim that “harm must be eliminated.” Borrowers often experience harm, such as threats, intimidation, and data breaches when they cannot repay debts. Zakat offers assistance to victims, helping them avoid actions violating Islamic principles, in line with the maxim “hardship brings ease.” However, borrowers must meet the gharim criteria, especially if the loans were used to purchase prohibited items under Islamic law. This study provides a novel perspective on zakat by employing the Qawa’id Fiqhiyyah approach to tackle the issue of online loans in Indonesia.
KONSEP WAKAF DALAM TRANSAKSI HUKUM EKONOMI SYARI’AH MENURUT PEMIKIRAN M.ABDUL MANNAN haqiqiah, nailatus sa'adah; Yunus, Ayi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14338

Abstract

 M. Abdul Mannan is a Muslim thinker who was born in 1938, he is one of the economic thinkers in the contemporary era. His intelligence in criticizing the thoughts of various economic figures associated with Islamic law such as waqf, determines the basic economic function, which consists of consumption, production and distribution. As a scientist and academic, one of his most popular works is Islamic Economics: Theory and Practice. So from his prowess in economic thought, this paper will describe some of M.Abdul Mannan's thoughts related to economic problems, especially in the field of waqf transactions. This writing uses a descriptive method using library research, namely literature review from several book sources as well as other scientific journals. Through this paper, it can be seen some of the thoughts of M. Abdul Mannan. The conclusions drawn from this paper are the basic economic function applied by Abdul Mannan based on Islamic law which rejects antisocial and there are several operational steps, and the waqf sector Abdul Mannan said that cash waqf is better to involve Islamic banks as organizers because it is felt to managed in a transparent and accountable manner
Co-Authors haqiqiah, nailatus sa'adah Hasan Bisri Luminaries, Rayan Asa NUR EFENDI