Analisis Faktor Pembeda Dana Cadangan Haji dan Arrum Haji

Authors

  • Astried Rosalina Faradita Putri Universitas Singaperbangsa Karawang
  • Wirman Wirman Universitas Singaperbangsa Karawang

DOI:

https://doi.org/10.30651/jms.v6i3.7304

Keywords:

Haji, Dana Talangan Haji, 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

Author Biography

Astried Rosalina Faradita Putri, Universitas Singaperbangsa Karawang

Mahasiswi S1 Fakultas Ekonomi dan Bisnis

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Published

2021-12-06

How to Cite

Faradita Putri, A. R., & Wirman, W. (2021). Analisis Faktor Pembeda Dana Cadangan Haji dan Arrum Haji. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 6(3), 648–669. https://doi.org/10.30651/jms.v6i3.7304

Issue

Vol. 6 No. 3 (2021)

Section

Artikel

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