AL-SULTHANIYAH

Pandangan Tokoh MUI Serdang Bedagai terhadap Pemilihan Pasangan dalam Pernikahan karena Undian

Muhammad Puji Fakhri, Ramadhan Syahmedi Siregar — Sat, 10 May 2025 00:00:00 +0000

This study aims to explore the perspective of the Indonesian Ulema Council (MUI) of Serdang Bedagai Regency on the practice of marriage through a lottery system, which took place in Pematang Setrak Village, Teluk Mengkudu Subdistrict, as a response to an out-of-wedlock pregnancy case. The practice involved drawing lots among several men allegedly involved to determine who would marry the pregnant woman, in order to preserve family honor and clarify the child’s lineage. This research employed a qualitative field method through interviews with local MUI figures. The findings indicate that the MUI views such a marriage as valid under Islamic law, as long as it fulfills the essential requirements and pillars of marriage, although the lottery method is not normative in Islamic jurisprudence. The MUI also emphasizes the need for religious counseling and post-marital guidance to ensure the couple can build a family based on Islamic values. This study contributes to the contemporary discourse on Islamic law by addressing how it interacts with emerging social practices.

Inovasi Akad Pembiayaan Kartu Kredit pada Perbankan Syariah

Dedi Susanto, Annisa Rayyahun, Ahyana Syahila Sukmana, Mukhtar Lutfi — Sat, 10 May 2025 00:00:00 +0000

Islamic credit cards are one of the innovations in the Islamic financial system aimed at providing non-cash transaction facilities while adhering to Islamic principles. This study aims to identify the challenges and issues faced by Islamic banks in developing and implementing Islamic credit card products in Indonesia. The research method used is a literature study with a descriptive qualitative approach, referring to academic literature, fatwas from the National Sharia Council (DSN-MUI), and banking regulations. The results show that Islamic banks face several key challenges, including limited public understanding of sharia-based contracts, the need for adequate supporting technology systems, and intense competition from more widely known conventional credit cards. In addition, limited product innovation and the need for harmonization between sharia regulations and national financial authority policies remain significant obstacles. Therefore, synergy between regulators, industry players, and academics is necessary to strengthen Islamic credit card products through education, sharia financial literacy, and the development of competitive yet sharia-compliant features.

Penyebab Kasus Cerai Gugat

Mufid Arsyad, A. Kumedi Ja'far — Sat, 10 May 2025 00:00:00 +0000

This research is based on the increasing divorce rates, where external factors such as economic instability, social pressure, and psychological incompatibility further exacerbate marital conflicts. The aim of this research is to identify and analyze the influence of these three factors in the decision-making process of couples divorcing. The research employs a qualitative method with a descriptive-analytical approach, supported by both primary and secondary data collected through interviews and documentation. The results show that economic difficulties, social neglect, and psychological incompatibility play a significant role in triggering divorce. Economic factors such as the inability of couples to meet basic needs, social factors such as stigma and family pressure, and psychological factors such as lack of effective communication, are the primary triggers for the decision to separate. In conclusion, divorce is not only caused by individual differences but also by collective pressures that disrupt marital balance. The implications of this research suggest the need for policies that support couples in facing socio-economic challenges to reduce divorce rates and maintain family harmony.

Pembiayaan Haji melalui Talangan Dana Perspektif Maṣlaḥah Mursalah di Desa Sigambal

Muhammad Ali Akbar, Imam Yazid — Sat, 10 May 2025 04:53:09 +0000

Hajj is one of the pillars of Islam that must be performed by Muslims who meet specific conditions, one of which is istiṭā‘ah (capability). Therefore, thorough preparation—mentally, physically, and financially—is essential for prospective pilgrims. This study aims to analyze Hajj financing through loan or advance funding schemes from the perspective of maṣlaḥah mursalah. The research employs a descriptive-qualitative method with field-based data collection. Data sources include both primary and secondary materials, such as interviews, documents, DSN MUI fatwas, books, papers, and online content. The findings reveal that the condition of istiṭā‘ah is not fully met by pilgrims who use Hajj advance funding. While this facility provides convenience for some people, especially in securing a Hajj quota earlier, it raises concerns regarding the validity of the pilgrimage, particularly in terms of financial capability. Nevertheless, in areas like Sigambal Village, this funding scheme is perceived as beneficial in increasing community participation in performing Hajj.

Analisis Praktik Pembiayaan Musyarakah di Baitul Maal wat Tamwil Saudara Grabag Magelang

Umi Afifah, Purwanto, Yeny Fitriyani — Mon, 02 Jun 2025 10:29:27 +0000

This study aims to assess the suitability of musyarakah financing practices at BMT Saudara Grabag Magelang based on DSN-MUI Fatwa No. 08/DSN-MUI/IV/2000. Musyarakah financing is a collaboration between shahibul maal and mudarib that contributes positively to MSMEs. However, inconsistencies were found in practice, especially in terms of loss sharing and profit sharing calculations. Losses are not shared according to the proportion of each party's capital contribution, and profit sharing does not always reflect the agreed ratio. BMT Saudara also applies rescheduling to handle losses, which is contrary to the principle of musyarakah which requires proportional loss sharing. This study uses a descriptive method with interactive analysis techniques, based on primary data from interviews and observations of 1 teller, 1 manager, and 5 customer members. The results show that although sharia aspects such as ijab qabul, legal capacity, object of the contract, and dispute resolution have been implemented, there are still shortcomings in the implementation of profit and loss sharing. The study recommends that BMT Saudara adjust the practice to be more in accordance with sharia principles and the DSN-MUI fatwa.