al-Afkar, Journal For Islamic Studies
Vol. 9 No. 3 (2026)

Financial Modernity and Kafa’ah: A Study on the Rising Standards of the Ideal Partner for Generation Z from the Perspective of Islamic Marriage Law (A Study by PT Fajar Paper Wisesa Tbk)

Muhammad Syauqi (Fakultas Hukum Keluarga Islam, Sekolah Tinggi Dirasat Islamiyah Imam Syafi’i Jember)
Emha Hasan Aminullah (Fakultas Hukum Keluarga Islam, Sekolah Tinggi Dirasat Islamiyah Imam Syafi’i Jember)



Article Info

Publish Date
24 Jul 2026

Abstract

The increasing divorce rate in Indonesia due to economic disharmony has prompted the urgent need for a study on the shift in marriage values among Generation Z. This study aims to analyze the influence of financial modernity on the perception of the ideal partner among Generation Z employees at PT Fajar Paper Wisesa Tbk, as well as to understand the concept of kafa'ah in Islamic marriage law, particularly the financial aspect. The method used is qualitative with a case study approach, conducted in January–February 2026 through in-depth interviews and participatory observation of five key informants who are Muslim employees aged 20–25 years. The results show that financial modernity has reconstructed the ideal partner standard into a financial partnership that prioritizes stable income, investment literacy, and financial technology (fintech) adaptability. Generation Z employees no longer interpret kafa'ah in terms of lineage or descent, but rather in terms of financial competence and career stability. From an Islamic law perspective, this shift is considered relevant because kafa'ah is dynamic in accordance with 'urf, is a manifestation of the al-istitha'ah requirement, and serves to maintain hifzh al-mal and hifzh al-nasl within the framework of maqashid sharia. However, unrealistic standards have the potential to complicate marriage, making sharia financial literacy a crucial solution.

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Journal Info

Abbrev

Afkar_Journal

Publisher

Subject

Social Sciences

Description

al-Afkar, Journal for Islamic Studies is published by Association of Secondment Lecturers (Asosiasi Dosen DPK) UIN Sunan Gunung Djati Bandung Indonesia. Focus of al-Afkar, Journal for Islamic Studies is on publishing original empirical research articles and theoretical reviews of Islamic Studies, ...