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All Journal International Journal of Community Engagement Payungi
Rachmiya Saputri
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Religion Humanities Economics, Econometrics & Finance Education

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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
The Role of Baitul Maal Wa Tamwil in Enhancing MSME Empowerment in Lubuklinggau: A Case Study of BMT Al-Azhaar Binbud Florado; Rachmiya Saputri; Muhammad saleh; 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.v5i1.79

Abstract

This study aims to analyze the role, strategy, and obstacles of BMT Al-Azhaar in enhancing the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in Lubuklinggau City. This research uses a qualitative method, with data collected through observation, interviews, and documentation analyzed through data reduction, display, verification, and conclusion drawing. The results show that BMT Al-Azhaar plays two key roles in empowering MSMEs: financing and coaching. The financing role distances the community from usury-based practices and provides equitable Sharia-compliant financial support. In contrast, the coaching role helps free MSMEs from dependence on loan sharks through business guidance and mentoring. The strategies used by BMT Al-Azhaar include community-based, local resource-based, and sustainability-based approaches. The institution faces internal obstacles—such as limited human resources and non-performing loans—and external challenges, including public misconceptions equating BMT with conventional financial institutions due to fixed margin perceptions. This study contributes to the literature on Islamic microfinance by presenting a contextual model of MSME empowerment that integrates Sharia-compliant financing with coaching rooted in local values and spiritual ethics. Its novelty is identifying BMT’s empathetic strategies, such as installment deferrals for disaster-affected clients and proactive public education to address misunderstandings about murabahah contracts. These findings affirm BMT Al-Azhaar’s role as a financial provider and an agent of Islamic economic literacy and holistic empowerment.
Co-Authors Agus Mukmin Binbud Florado Muhammad Saleh Peny Cahaya Azwari Rizki Hasanah