DISRUPSI FINANSIAL DIGITAL DAN KETAHANAN KELUARGA: REKONSTRUKSI HUKUM KELUARGA ISLAM TERHADAP PINJAMAN ONLINE BERBASIS MAQASHID SYARI’AH

Wirna; Akbarizan

doi:10.52802/wst.v11i1.2132

Wirna Universitas Islam Neggeri Sultan Syarif Kasim Riau
Akbarizan Universitas Islam Neggeri Sultan Syarif Kasim Riau

DOI: https://doi.org/10.52802/wst.v11i1.2132

Keywords: online loans, family resilience, maqashid syari'ah, hifzh al-maal, islamic family law

Abstract

This article aims to analyze the impact of online lending on family resilience from the perspective of the maqashid al-shari’ah and to formulate a reconstruction of Islamic family law that is responsive to digital financial disruption. This study employs a qualitative approach with a normative analysis through a literature review of Islamic legal texts, fintech regulations, and relevant scholarly works. The findings indicate that interest-based online lending practices have the potential to undermine the protection of wealth (hifzh al-maal), life (hifzh al-nafs), intellect (hifzh al-‘aql), and lineage (hifzh al-nasl), as they can trigger debt traps, psychological stress, domestic conflicts, and disruptions in meeting children’s needs. Therefore, a reconstruction of Islamic family law is necessary through the reinterpretation of maintenance and family protection, the integration of maqashid al-shari’ah into fintech regulations, and the strengthening of Islamic digital literacy and sharia-compliant financing alternatives.

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