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All Journal SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam
Anggoro, Sakli
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Religion Education Law, Crime, Criminology & Criminal Justice

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The Religious Dilemma of Prospective Hajj Pilgrims Facing Waiting Lists and Hajj Costs at the Ministry of Religious Affairs in Kudus Regency 2024 Khafidhoh, Khafidhoh; Suhada, Suhada; Sugito, Sugito; Anggoro, Sakli; Mujahidin, Imamul
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 7 No. 2 (2025): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v7i2.7224

Abstract

This study aims to analyze the religious dilemmas experienced by these pilgrims in response to those challenges, including the influence of personal, economic, and religious factors on their decisions. Employing a qualitative descriptive approach with ethnographic methods, the research was conducted through observations and in-depth interviews with registered pilgrims and officials from the Ministry of Religious Affairs in Kudus. The primary data were obtained from field interviews with seven prospective pilgrims, two Hajj service officials, and three religious counselors. Additional data were gathered through participatory observation during official Hajj preparation meetings and religious counseling sessions. Document analysis was also conducted using official records from the Ministry. The data were analyzed using Miles and Huberman’s interactive model, which includes data reduction, data display, and conclusion drawing. The findings show three dominant behavioral responses: 85% of pilgrims remain committed to waiting for their scheduled departure, 5% choose to withdraw their savings and perform Umrah, and 10% cancel their plans entirely. These decisions are shaped by considerations such as age, health conditions, financial capacity, and levels of religious understanding. From the perspective of Islamic law, each response represents a different interpretation of istitha’ah (ability) and is evaluated within the framework of maslahat (benefit) and darurat (necessity). The study concludes that pilgrims' religious behavior is not solely influenced by administrative barriers but also reflects their internal spiritual judgment and adaptive understanding of Islamic teachings in dealing with contemporary challenges. These findings offer valuable insight for Hajj policymakers to accommodate religious needs while addressing practical limitations.
BANKING FRAUD IN ISLAMIC BANKING GOVERNANCE: AN ISLAMIC LAW AND ECONOMIC ETHICS PERSPECTIVE FROM BPRS PURWODADI Anggoro, Sakli; Supriyadi, Supriyadi; Kushidayati, Lina
JURNAL HAKAM Vol 10, No 3 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i3.15739

Abstract

Banking fraud continues to challenge the governance of Islamic financial institutions despite the implementation of internal control, auditing, and risk management systems. Previous studies have predominantly examined fraud from procedural and compliance perspectives, with limited attention to the role of Islamic ethical values in fraud prevention. This study aims to examine how fraud is understood within Islamic banking governance and to develop a value-based fraud prevention framework. A qualitative case study was conducted at BPRS Purwodadi using in-depth interviews with seven key informants, supported by observation and document analysis. Data were analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings indicate that participants understood fraud not only as a legal or procedural violation but also as a breach of institutional trust (amanah). Fraud was associated with organizational pressure, supervisory weaknesses, behavioral rationalization, and insufficient internalization of Islamic ethical values. These findings suggest that effective fraud prevention requires the integration of organizational control mechanisms, ethical internalization, and sharia governance. Based on these findings, the study proposes the Islamic Ethical Fraud Prevention Framework, which integrates structural control, ethical internalization, and sharia governance into a value-based approach to fraud prevention in Islamic banking. The framework contributes to the literature by providing an integrated perspective that combines governance mechanisms with Islamic legal and ethical principles.
Co-Authors Khafidhoh Khafidhoh, Khafidhoh Lina Kushidayati Mujahidin, Imamul Sugito - Suhada Suhada, Suhada Supriyadi Supriyadi