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All Journal Al-Mutsla: Jurnal Ilmu-Ilmu Keislaman dan Kemasyarakatan International Journal of Community Engagement Payungi
Agus Mukmin
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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The Utilization of Zakat Based on Qawa’id Fiqhiyyah as a Solution to the Issues of Illegal Online Loans Rizki Hasanah; Agus Mukmin; Rachmiya Saputri; Peny Cahaya Azwari
International Journal of Community Engagement Payungi Vol. 5 No. 1 (2025): International Journal of Community Engagement Payungi
Publisher : Yayasan Payungi Smart Madani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58879/ijcep.v5i1.78

Abstract

Illegal online loans have become a common solution for people facing emergency financial needs, particularly in relation to family economic challenges. As a way to address the growing number of gharimin (debtors), this study explores the utilization of zakat based on qawa'id fiqhiyyah as a potential solution to the illegal online loan problem. This study uses a library research methodology with a descriptive qualitative approach. The findings indicate that zakat, when based on qawa'id fiqhiyyah, has not been fully optimized as a solution for illegal online loans. Factors such as the unclear classification of gharimin within the seven asnaf categories defined in Islamic law contribute to this issue. The study identifies key principles that justify the distribution of zakat to victims of illegal online loans. First, Al-Masyaqqah Tajlibu At-Taysīr (difficulty invites ease) suggests that Islamic law allows for flexibility and relief in times of hardship. Second, the principle of darurah (necessity), which permits the relaxation of prohibitions in critical situations, applies to individuals burdened by illegal debt. Third, Dar' al-Mafāsid Muqaddam' ala Jalb al-Maṣāliḥ (prevention of harm takes precedence over the pursuit of benefits) emphasizes that the risks such as psychological stress, social stigma, and even suicide, should be mitigated by preventing further harm through zakat. Finally, the principle of Al-‘Ādah Muḥakkamah allows for the inclusion of social customs as a legal basis, provided they do not conflict with Islamic law. This research offers a novel approach by integrating zakat within the broader legal and social context to address the issue of illegal online loans in Indonesia. The study contributes to the literature by highlighting zakat as an underutilized resource in combating financial exploitation in the digital age, providing new insights into the intersection of Islamic financial principles and contemporary economic challenges
Peran Media Digital Dalam Meningkatkan Partisipasi Generasi Muda Pada Pengajian Akbar Ahad Wage Siti Nur Aisah; Agussalim; Agus Mukmin; Purwandari, Elce; Depi Putri
AL-MUTSLA Vol. 7 No. 1 (2025): Jurnal Al Mutsla
Publisher : STAIN MAJENE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/jstain.v7i1.1643

Abstract

This study aims to explore the role of digital media, particularly Facebook and WhatsApp, in increasing youth participation in the Pengajian Akbar Ahad Wage (Sunday Grand Islamic Gathering) in Sukakarya District. Employing a qualitative approach, data were collected through in-depth interviews with religious leaders, youth organization leaders (IPNU–IPPNU), active and less active youth participants, and community members. The findings reveal that digital media plays a strategic role in disseminating information, fostering engagement, and creating a religious space that aligns with the digital habits of younger generations. Key supporting factors include easy access to technology, the active involvement of youth in digital promotion, and support from parents and community leaders. However, challenges such as low digital literacy, unstable internet infrastructure, and lack of content innovation remain. In conclusion, digital media has the potential to become an inspirational and transformative tool for religious outreach if managed collaboratively and contextually.
Co-Authors Agussalim Depi Putri Elce Purwandari Peny Cahaya Azwari Rachmiya Saputri Rizki Hasanah Siti Nur Aisah