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Analysis of Qawa’id Fiqhiyyah in the Utilization of Zakat as a Solution to Illegal Online Loans

Al-Muamalat · Vol. 12 No. 1 (2025) · hlm. 41–58

DOI
10.15575/am.v12i1.40687
ISSN
2716-0610, 2086-3225
Terbit
2025-03-04
Penerbit
Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The phenomenon of online loans has become a pressing societal issue, affecting many individuals struggling with debt repayment, contributing to rising suicide rates. Zakat, as an Islamic social finance instrument, should help mitigate these negative impacts. This article examines the utilization of zakat funds as a solution to the online loan crisis from the perspective of Qawa’id Fiqhiyyah (Islamic legal maxims). Using a normative juridical approach with descriptive analysis, this study explores the application of Qawa’id Fiqhiyyah in utilizing zakat funds to address online loan issues. The findings reveal that zakat can address online loan problems, aligning with the maxim that “harm must be eliminated.” Borrowers often experience harm, such as threats, intimidation, and data breaches when they cannot repay debts. Zakat offers assistance to victims, helping them avoid actions violating Islamic principles, in line with the maxim “hardship brings ease.” However, borrowers must meet the gharim criteria, especially if the loans were used to purchase prohibited items under Islamic law. This study provides a novel perspective on zakat by employing the Qawa’id Fiqhiyyah approach to tackle the issue of online loans in Indonesia.

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9 penulis · 21 tautan kepenulisan bersama · 12 lintas organisasi

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  • Sunan Gunung Djati State Islamic University Bandung
  • Universitas Islam Internasional Indonesia
  • Bandung Islamic University
  • Sultan Sharif Ali Islamic University
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Ahmad Hasan RidwanSunan Gunung Djati State Islamic University Bandung1
Cecep Soleh KurniawanSultan Sharif Ali Islamic University1
Mohamad Anton AthoillahSunan Gunung Djati State Islamic University Bandung1
Neneng NurhasanahBandung Islamic University1
Ending SolehudinSunan Gunung Djati State Islamic University Bandung1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/mua/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Analysis of Qawa’id Fiqhiyyah in the Utilization of Zakat as a Solution to Illegal Online Loans</dc:title>
	<dc:creator>Efendi, Nur</dc:creator>
	<dc:creator>Bisri, Hasan</dc:creator>
	<dc:creator>Yunus, Ayi</dc:creator>
	<dc:creator>Luminaries, Rayan Asa</dc:creator>
	<dc:subject xml:lang="en-US">Zakat</dc:subject>
	<dc:subject xml:lang="en-US">Online Loans</dc:subject>
	<dc:subject xml:lang="en-US">Fundamental Qawa’id Fiqhiyyah</dc:subject>
	<dc:description xml:lang="en-US">The phenomenon of online loans has become a pressing societal issue, affecting many individuals struggling with debt repayment, contributing to rising suicide rates. Zakat, as an Islamic social finance instrument, should help mitigate these negative impacts. This article examines the utilization of zakat funds as a solution to the online loan crisis from the perspective of Qawa’id Fiqhiyyah (Islamic legal maxims). Using a normative juridical approach with descriptive analysis, this study explores the application of Qawa’id Fiqhiyyah in utilizing zakat funds to address online loan issues. The findings reveal that zakat can address online loan problems, aligning with the maxim that “harm must be eliminated.” Borrowers often experience harm, such as threats, intimidation, and data breaches when they cannot repay debts. Zakat offers assistance to victims, helping them avoid actions violating Islamic principles, in line with the maxim “hardship brings ease.” However, borrowers must meet the gharim criteria, especially if the loans were used to purchase prohibited items under Islamic law. This study provides a novel perspective on zakat by employing the Qawa’id Fiqhiyyah approach to tackle the issue of online loans in Indonesia.</dc:description>
	<dc:publisher xml:lang="en-US">Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2025-03-04</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/mua/article/view/40687</dc:identifier>
	<dc:identifier>10.15575/am.v12i1.40687</dc:identifier>
	<dc:source xml:lang="en-US">Al-Muamalat; Vol. 12 No. 1 (2025): January; 41-58</dc:source>
	<dc:source>2716-0610</dc:source>
	<dc:source>2086-3225</dc:source>
	<dc:source>10.15575/am.v12i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/mua/article/view/40687/13559</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2025 The Author(s)</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>