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Financial Literacy as Household Capability: Its Role in Strengthening Marital Stability in Emerging Indonesian Families Yogi Yogi; Ahmad Dakhoir
Journal of Mathematics Instruction, Social Research and Opinion Vol. 5 No. 1 (2026): March
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v5i1.1282

Abstract

Marital stability is increasingly influenced by couples’ ability to manage household finances effectively, yet empirical studies linking financial literacy to marital stability remain limited, particularly in developing country contexts. This study aims to analyse the role of family financial literacy as a life skill in strengthening marital stability among married couples in Central Kalimantan Province, Indonesia. The research employs a mixed-methods, sequential, explanatory design integrating quantitative and qualitative approaches. Quantitative data were collected through a survey of 150 married couples (N = 150) who participated in a family financial literacy education program using a pre–post-test design. Data were analysed using paired-samples t-tests, Pearson's correlation, and Structural Equation Modeling (SEM) to examine the structural relationship between financial literacy and marital stability. Qualitative data were obtained through in-depth interviews to explore couples’ experiences in managing household finances. The results show a significant increase in financial literacy scores after the educational intervention. Statistical analysis indicates a strong positive relationship between financial literacy and marital stability (r = 0.657, p < 0.01), with financial literacy explaining 43.1% of the variance in marital stability. Qualitative findings reveal that improved financial literacy encourages better financial communication, joint decision-making, and reduced financial conflict within households. This study demonstrates that family financial literacy is a critical life skill that strengthens marital stability by improving financial behaviour and communication between spouses, highlighting the importance of integrating financial literacy into premarital education and family empowerment programs.
Fatwa and Religious Authority: Islamic Law, Social Media Ethics and Digital Age Abdurrohman Kasdi; Umma Farida; Miftahul Huda; Akmal Fawwaz Aulia Rahman; Ahmad Dakhoir
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 11 No. 1 (2026): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Faculty of Sharia, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v11i1.10755

Abstract

Fatwas issued by the ulama play a strategic role in shaping the trajectory of Muslim thought in the digital era, particularly as many Muslims lack direct access to, or the capacity to independently interpret, the primary sources of Islamic law such as the Qur’an and Hadith. This study examines the position of fatwas as a determinant of religious authority and explores their implications for the development of Islamic law in the digital age. Employing a qualitative research design, this study analyzes fatwas issued by the Indonesian Ulama Council (Majelis Ulama Indonesia/MUI) concerning socio-religious issues. Data were collected through library research and examined using a normative-analytical approach, emphasizing contextual interpretation and doctrinal analysis. The findings demonstrate that MUI fatwas occupy a position of significant religious authority within the construction of Islamic law and possess substantial sociological and moral binding force. Muslim communities adhere to these fatwas because they are perceived as authoritative interpretations grounded in Islamic legal principles. Furthermore, fatwas contribute to the dynamic development of Islamic law and influence national legal frameworks. In the digital era, religious authority has become increasingly strategic, particularly following the issuance of MUI Fatwa No. 24 of 2017, which provides ethical guidelines for social media engagement, promotes social harmony, and seeks to prevent societal fragmentation in Indonesia.
Perjanjian Perkawinan Sebagai Alat Perlindungan Hukum: Studi Perbandingan Antara Indonesia, Malaysia, Dan Singapura Akhmad Kamil Rizani; Ahmad Dakhoir; Aris Sunandar Suradilaga; Muhammad Aulia Rahman
Al-Ahwal Al-Syakhsiyyah: Jurnal Hukum Keluarga dan Peradilan Islam Vol. 7 No. 1 (2026): Al-Ahwal Al-Syakhsiyyah: Jurnal Hukum Keluarga dan Peradilan Islam
Publisher : Family Law Study Program, Faculty of Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v7i1.53218

Abstract

This study aims to analyze and compare the regulation of marital agreements as instruments of legal protection within the family law systems of Indonesia, Malaysia, and Singapore. The study departs from the transformation of the classical Islamic law concept of taklik talak into modern positive legal constructions that accommodate the need to protect the rights and obligations of spouses. This research employs a normative legal method using statutory, conceptual, and comparative approaches. The legal materials consist of statutory regulations, classical and contemporary fiqh doctrines, academic literature, and relevant court decisions. The results of the study show that in Indonesia, the regulation of marriage agreements is contained in Undang-Undang Nomor 16 Tahun 2019, Kompilasi Hukum Islam, and Kitab Undang-Undang Hukum Perdata, characterized by increased flexibility following a Constitutional Court decision allowing agreements to be concluded after the marriage has taken place. In Malaysia, the regulation is more systematically structured under the Akta Undang-Undang Keluarga Islam (Wilayah-Wilayah Persekutuan) 1984, which positions taklik as an integral component of Islamic family law administration. Meanwhile, in Singapore, the regulation falls within the framework of the Administration of Muslim Law Act 1966, which institutionally integrates Sharia principles into the national legal system. Comparatively, the three countries share similarities in recognizing marital agreements as preventive instruments of legal protection, yet they differ in terms of formation procedures, validation mechanisms, and binding force. The study concludes that the effectiveness of marital agreements is significantly influenced by each country’s normative design and institutional legal structure. Therefore, strengthening regulatory frameworks and harmonizing legal protection principles based on justice and legal certainty are urgent necessities for the development of Islamic family law in Southeast Asia.
Ketidakpastian Status Perkawinan Siri akibat Ucapan Talak Berulang: Analisis Perlindungan Hukum terhadap Istri yang Mengalami Penelantaran Nafkah dan KDRT Siti Rabiah; Puji Rahmiati; Ahmad Dakhoir
Sujud: Jurnal Agama, Sosial dan Budaya Vol. 2 No. 4 (2026): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/qpbbwy45

Abstract

Unregistered marriage (nikah siri) remains a complex socio-legal issue in Indonesia. Although valid under Islamic law when its pillars and conditions are fulfilled, the absence of registration deprives wives of formal legal protection. A major problem arises when a husband repeatedly pronounces divorce (talak) outside judicial proceedings, creating uncertainty over the wife's legal status (floating status). This uncertainty frequently leads to economic abandonment and domestic violence. This study analyzes the legal consequences of repeated talak in unregistered marriages and examines the legal protection available to wives who are victims of abandonment and violence. Using a normative legal research method with statute and conceptual approaches, the study finds that repeated talak pronounced outside the Religious Court produces no legal effect of dissolution under positive law. Without a marriage certificate, wives face serious difficulties in claiming civil rights such as iddah and mut'ah maintenance. Nevertheless, criminal law offers protection under Law No. 23 of 2004 on the Elimination of Domestic Violence, which does not require the marriage to be registered. To resolve the uncertainty and secure their rights, wives may petition for marriage validation (itsbat nikah) cumulated with a divorce suit before the Religious Court.
Antara Kebebasan Talak dan Keharusan Perceraian di Pengadilan: Analisis Hukum Islam dan Hukum Perkawinan Indonesia terhadap Keabsahan Talak di Luar Pengadilan Apriliando Apriliando; Ahmad Dakhoir; Puji Rahmiati
Sujud: Jurnal Agama, Sosial dan Budaya Vol. 2 No. 4 (2026): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/epk7mg38

Abstract

Extra-judicial talaq remains a debated issue due to differences between Islamic law and Indonesian marriage law. Under Islamic law, a talaq pronounced by a husband is generally considered valid when its legal requirements are fulfilled, whereas Indonesian law recognizes divorce only when it is conducted before the Religious Court. This study aims to analyze the legal status of extra-judicial talaq, the obligation to pronounce talaq before the court, and its legal consequences for husbands, wives, and children. This research employs a normative legal method using statutory and library approaches. The findings reveal that extra-judicial talaq may be valid under Islamic law but has no legal effect under Indonesian positive law. Therefore, divorce through the Religious Court is necessary to ensure legal certainty and protect the rights of all parties after divorce