Analisis Faktor Pembeda Dana Cadangan Haji dan Arrum Haji
Abstract
Abstract
Hajj is one of the main activities that must be done by Muslims as a form of practice in order to increase piety to the Creator. This Hajj Arrum product can be a solution for people who do not have sufficient costs for the pilgrimage. Prior to the existence of the Hajj arrum product, Islamic banks had already issued a product to finance people who wanted to go to Hajj which was known as the Hajj bailout fund. However, there are pros and cons because it is considered contrary to the Fatwa of the National Sharia Council Number: 29 / DSN-MUI / VI / 2002 concerning the Financing of Hajj Management for Sharia Financial Institutions. Actually the hajj pilgrimage is not enforced, but based on the community's ability, it is hoped that with this hajj arrum people can immediately perform the haj pilgrimage. However, people still have to be careful before choosing a product. Therefore, the authors want to know the factors that distinguish the products that have been circulating previously, namely the Hajj bailout. This research was conducted using secondary and qualitative methods. It can be concluded that the Hajj arrum product by sharia pawnshops is in accordance with the provisions of the Indonesian Ulema Council (MUI)
Keywords: Hajj, Hajj Bailout, Hajj Arrum
Abstrak
Haji merupakan salah satu kegiatan pokok yang harus dilakukan oleh umat Islam sebagai bentuk amalan guna meningkatkan ketakwaan kepada Sang Pencipta. Produk arrum haji ini bisa menjadi solusi bagi masyarakat yang belum mempunyai biaya yang cukup untuk beribadah haji. Sebelum adanya produk arrum haji, bank syariah telah lebih dulu mengeluarkan produk guna membiayai masyarakat yang ingin berangkat haji yang dikenal dengan dana talangan haji. Namun terdapat pro kontra karena dianggap bertentangan dengan Fatwa Dewan Syariah Nasional Nomor: 29/DSN-MUI/VI/2002 Tentang Pembiayaan Pengurusan Haji Lembaga Keuangan Syariah. Sebenernya Ibadah haji tidak dipaksakan namun berdasarkan kemampuan masyarakat sehingga diharapkan dengan adanya arrum haji ini masyarakat dapat segera menunaikan ibadah haji. Namun, masyarakat tetap harus berhati-hati sebelum memilih suatu produk. Oleh karenanya, penulis ingin mengetahui faktor yang membedakan Produk Arrum Haji produk yang telah beredar sebelumnya yaitu dana talangan haji. Penelitian ini dilakukan dengan metode sekunder dan kualitatif. Dapat diambil kesimpulan bahwa produk arrum haji oleh pegadaian syariah sudah sesuai dengan ketentuan dari Majelis Ulama Indonesia (MUI).
Kata kunci: Haji, Dana Talangan Haji, Arrum Haji
Full text article
Authors
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.