Tanfīdh ‘Aqd al-Qardh fi Mumarasah Jam‘iyyah al-Muwadzafin bi-Nidzam al-Qur‘ah min Mandzur Qanun al-Iqtishad al-Islami (Dirasah Halah fi Ma‘had al-Irsyad al-Islami Tengaran)
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Institusion
Universitas Muhammadiyah Surakarta
Author
Nurfiqri, Adam
-, Dr. Isman, S.H.I., S.H., M.H.
-, Dr. Imron Rosyadi, M.Ag.
-, Dr. Isman, S.H.I., S.H., M.H.
-, Dr. Imron Rosyadi, M.Ag.
Subject
AS Academies and learned societies (General)
Datestamp
2025-02-27 06:04:31
Abstract :
Arisan is one of the forms of social transactions that have developed within society, including in educational environments such as MTs Al Irsyad Tengaran. In practice, monetary arisan often employs a lottery system to determine the recipient of funds in each period. This practice needs to be examined from the perspective of Islamic Economic Law, particularly concerning the contract used, namely the qardh (loan) contract. This study aims to analyze the implementation of the qardh contract in the practice of monetary arisan with a lottery system and assess its compliance with the principles of Islamic economic law. The research method employed is qualitative descriptive analysis, with data collected through interviews, observations, and document analysis obtained from participants and organizers of the arisan at MTs Al Irsyad Tengaran. The findings indicate that the qardh contract in the monetary arisan practiced at MTs Al Irsyad Tengaran generally complies with Sharia principles, provided that it does not involve elements of riba (interest or additional repayment), gharar (uncertainty), or maysir (gambling). However, several aspects require careful attention, such as clarity in fund management regulations and the lottery system, to prevent speculative elements that contradict Islamic law. Based on this study, it is recommended that the monetary arisan with a lottery system at MTs Al Irsyad Tengaran continues to adhere strictly to the principles of pure qardh, without any additional profit for the lender, and ensures transparency in financial record-keeping. In this way, arisan can serve as a financial solution compliant with Islamic principles, benefiting all participants.
Arisan is one of the forms of social transactions that have developed within society, including in educational environments such as MTs Al Irsyad Tengaran. In practice, monetary arisan often employs a lottery system to determine the recipient of funds in each period. This practice needs to be examined from the perspective of Islamic Economic Law, particularly concerning the contract used, namely the qardh (loan) contract. This study aims to analyze the implementation of the qardh contract in the practice of monetary arisan with a lottery system and assess its compliance with the principles of Islamic economic law. The research method employed is qualitative descriptive analysis, with data collected through interviews, observations, and document analysis obtained from participants and organizers of the arisan at MTs Al Irsyad Tengaran. The findings indicate that the qardh contract in the monetary arisan practiced at MTs Al Irsyad Tengaran generally complies with Sharia principles, provided that it does not involve elements of riba (interest or additional repayment), gharar (uncertainty), or maysir (gambling). However, several aspects require careful attention, such as clarity in fund management regulations and the lottery system, to prevent speculative elements that contradict Islamic law. Based on this study, it is recommended that the monetary arisan with a lottery system at MTs Al Irsyad Tengaran continues to adhere strictly to the principles of pure qardh, without any additional profit for the lender, and ensures transparency in financial record-keeping. In this way, arisan can serve as a financial solution compliant with Islamic principles, benefiting all participants.
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