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All Journal Dinamika Justisia Ekonomika Jurnal Dinamika Penelitian: Media Komunikasi Penelitian Sosial Keagamaan
Rahayaan, Ahmad
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Religion Education Social Sciences

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Journal : Justisia Ekonomika

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A FIQH MUAMALAH REVIEW OF THE FINANCIAL MANAGEMENT OF THE CITY OF TUAL THROUGH REGIONAL SAVINGS (Case Study of the City of Tual's Regional Financial Management Agency) Rahayaan, Ahmad
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 9 No 1 (2025): Juni
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v9i1.25976

Abstract

This study explores the financial management of the City of Tual through regional savings, analyzed from a fiqh muamalah perspective. The focus is on the use of interest (riba)—defined in Islamic jurisprudence as profit gained from lending without real economic effort. Using a qualitative descriptive method, data were collected through interviews and observations at the Regional Financial and Asset Management Agency (BPKAD) of Tual. Findings show that the local government deposits idle funds in conventional banks and receives interest, which is then transferred to the Regional General Treasury Account (RKUD). This practice raises differing views in Islamic law: some scholars strictly forbid it (haram), others permit it under certain conditions (halal), while some regard it as doubtful (syubhat). From the perspective of maqashid shariah, the conditional permissibility of interest may align with the objectives of preserving life (hifz al-nafs) and wealth (hifz al-mal), especially in contexts where Islamic banking is not available. Nonetheless, this practice remains a point of ethical debate, emphasizing the need for Shariah-compliant financial alternatives in regional governance.
Co-Authors Ibn Hamzah, Saiful Ikhwanuddin, Mohammad