Hajj Financing Models: Fiqh Analysis of Payment Contracts for Hajj Funds at the Ministry of Religious Affairs in Indonesia

Mulyono Jamal*  -  Universitas Darussalam Gontor, Indonesia
Khurun'in Zahro'  -  Universitas Darussalam Gontor, Indonesia
Eko Nur Cahyo  -  Conventry University, United Kingdom
Nuriwanda Azizah Nugraheni  -  Universitas Darussalam Gontor, Indonesia

(*) Corresponding Author
DOI: 10.30659/jua.v7i2.28677

Hajj is the perfecting of the pillars of Islam of a Muslim, the fifth pillar of Islam, and is carried out for those who are able. In Indonesia, the hajj is organized by the Ministry of Religious Affairs (MORA) in Jakarta and the regional offices of MORA throughout Indonesian provinces. To repay funds, prospective pilgrims do so at the bank receiving the BPS-BPIH hajj deposit. The contract used when registering prospective Pilgrims is a wakalah contract. However, when they come to the bank, the bank will ask them what contract will be applied, whether wadi'ah or murabahah. This research aims to disclose the Payment of Funds for prospective Hajj Pilgrims and analyze the principles of the contract applied in the repayment of funds for prospective pilgrims. The type of research used is field research with qualitative methods using descriptive analysis. The data sources in this study are primary and secondary data, then use descriptive data analysis as material for research findings. There are two findings in this study. The first is the agreement on the repayment of the Hajj Pilgrim Candidate Fund, which starts from the Wakalah contract between prospective Pilgrims with the Ministry of Religious Affairs, then the Wadi'ah and or Mudharabah Contract between prospective Hajj Pilgrims with BPS-BPIH, and the Ijarah Mausufah fi Dzimmah agreement between prospective Pilgrims represented by the Ministry of Religious Affairs and BPKH as the Hajj fund manager. Second, the fiqh analysis of the principle of the contract applied to the Repayment of The Hajj Pilgrim Candidate Fund is Wakalah and is appropriate as it should be, but what needs to be considered is the understanding of prospective Pilgrims for the contracts that have been applied.

Keywords: "Aqd, Hajj Funds, Fiqh Analysis.

  1. Fauzan. (2015). Mewujudkan Ekonomi Islam Dengan Ruh Al-‘Adl (Studi Pada YaPEIM Malaysi). An-Nisbah: Jurnal Ekonomi Syariah, 2. https://doi.org/10.21274/an.2015.2.1.405-424.
  2. Ahmad Saefuloh, Asep. (2017). Optimalisasi Pengelolaan Dana Haji Melalui Investasi Kemandirian Daerah : Kendala Optimalisasi Pajak Dan Retribusi Daerah, 2.
  3. Ahmad, Siti Arinah, and Shahir Akram Hassan. (2017). The Role and Effort of the Ministry of Religious Affairs of the Republic of Indonesia in Consolidation and Determining the Beginning of the Holy Month of Ramadan and EID Celebrations in Indonesia. International Journal of Academic Research in Business and Social Sciences, 7. http://dx.doi.org/10.6007/IJARBSS/v7-i6/3057
  4. Aji, Ahmad Mukri, and Muhammad Ishar Helmi. (2021). Legal Policies for Non-Subsidized Hajj Financing in Indonesia. Jurnal Cita Hukum (Indonesian Law Journal), 9. https://doi.org/10.15408/jch.v9i3.23686.
  5. Amalia, Ananda. (2021). Kepastian Hukum Investasi Dana Haji Oleh Badan Pengelola Keuangan Haji. Repository.Uinjkt.Ac.Id. https://repository.uinjkt.ac.id/dspace/handle/123456789/56478.
  6. Faisal. (2021). Sige Tareik Nafah: Pengucapan Ijab-Qabul dalam Pernikahan Perspektif Ulama Kota Langsa. Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan, 8. https://doi.org/10.32505/qadha.v8i2.3367
  7. Fathurrahman, Reza, Zaenal Abidin, and Annisa Dwi Utami. (2021). Public Service Satisfaction on Hajj-Related Services in Indonesia: Demographic Analysis. Al-Muzara’ah Journal, 9. https://doi.org/10.29244/jam.9.1.99-107
  8. Febriansyah, Muh Darmawan Tri, and Sabri Samin. (2022). Pelayanan Ibadah Haji Khusus Melalui Travel Di Kota Makassar. Siyasatuna: Jurnal Ilmiah Mahasiswa Siyasah Syar’iyyah, 3.
  9. Melina, Ficha, and Hendra Eka Saputra. (2022). Tinjauan Fiqh Muamalah Kontemporer Tentang Badan Perantara (Samsarah) Dan Jual Beli Lelang (Bay Al-Muzayaddah). Syarikat: Jurnal Rumpun Ekonomi Syariah, 5. https://doi.org/10.25299/syarikat.2022.vol5(1).9662.
  10. Jumena, Juju, Ilham Bustomi and Siti Fatimah. (2018). Hak Jamaah Haji Atas Hasil Pengelolaan Setoran Awal Biaya Penyelenggaraan Ibadah Haji. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Islam, 3. https://doi.org/10.24235/jm.v3i2.3728
  11. Hafid, Abdul, Rakhmat, Suradi Tahmir, and Rifdan. (2016). Hajj Service Management at the Department of Religious Affairs in Gowa Regency. Mediterranean Journal of Social Sciences, 7. https://doi.org/10.5901/mjss.2016.v7n3s1p150
  12. Hidayatullah, Muhammad Syarif. (2021). Urgensi Mempelajari Fikih Muamalah Dalam Merespon Ekonomi Dan Keuangan Kontemporer (Membangun Paradigma Ekonomi Syariah Di Masyarakat). Al-Mizan: Jurnal Hukum Dan Ekonomi Islam, 5. https://doi.org/10.33511/almizan.v5n1.33-59
  13. Jayaprawira, Acep R, and Abdussalam. (2019). Analysis of the Implementation of the Islamic Contract Principle on Hajj Fund Management By Hajj Fund Management Agency (BPKH). Journal KnE Social Sciences. https://doi.org/10.18502/kss.v3i26.5405.
  14. Kurniadi, Dece, Jamal Wiwoho, and Hudi Asrori. (2019). Hajj Fund Management in Perspective of the Financial Theory and Fiqh, Proceedings of the 3rd International Conference on Globalization of Law and Local Wisdom (ICGLOW 2019), 358. https://doi.org/10.2991/icglow-19.2019.57.
  15. Maulid, Ilham, and Amirsyah. (2021). Analysis of the Hajj Fund Management Based on the Fatwa of the National Sharia Council (DSN) Number 122 Concerning the Management of BPIH Fund and Special BPIH Based on Sharia Principles. ADI Journal on Recent Innovation (AJRI), 3. https://doi.org/10.34306/ajri.v3i1.490
  16. Meutia, Intan Fitri, Bayu Sujadmiko, Devi Yulianti, Kristian Adi Putra, and Savira Nur Aini. (2022). The Agenda Setting Policy for Hajj and Umrah in Post-Pandemic. Proceedings of the 2nd International Indonesia Conference on Interdisciplinary Studies (IICIS 2021), 606. https://doi.org/10.2991/assehr.k.211206.005.
  17. Munira, Mira, and Shinta Budi Astuti. (2019). Indonesian Hajj Fund Management: An Overview. Asian Journal of Accounting and Finance, 1. http://myjms.moe.gov.my/index.php/ajafin.
  18. Mubarok, Muhammad Ali, and Ulya Fuhaidah. (2018). Manajemen Pengelolaan Dana Haji Republik Indonesia (Studi Kolaborasi Antar Lembaga Bpkh, Kemenag Dan Mitra Keuangan Dalam Pengelolaan Dana Haji). Iltizam Journal Of Shariah Economic Research, 2. https://doi.org/10.30631/iltizam.v2i2.165
  19. Muhyiddin. (2014). Fatwa MUI Tentang Vasektomi Tanggapan Ulama Dan Dampaknya Terhadap Peningkatan Medis Operasi Pria (MOP). Al-Ahkam: Jurnal Pemikiran Hukum Islam, 24. https://doi.org/10.21580/ahkam.2014.24.1.134.
  20. Muneeza, Aishath, Amira Sudeen, Atiqoh Nasution, and Ratih Nurmalasari. (2018). A Comparative Study of Hajj Fund Management Institutions in Malaysia, Indonesia, and Maldives. International Journal of Management and Applied Research, 5. https://doi.org/10.18646/2056.53.18-009.
  21. Mupida, Siti, and Siti Mahmadatun. (2021). Maqashid Syariah Dalam Fragmentasi Fiqh Muamalah Di Era Kontemporer. Al-Mawarid: Jurnal Syari’ah dan Hukum. https://journal.uii.ac.id/JSYH/article/view/18663%0Ahttps://journal.uii.ac.id/JSYH/article/download/18663/12058.
  22. Nasrun, Mahdalena, and Shalawati. (2021). Keabsahan Pengucapan Ijab Kabul Menurut Pandangan Ulama Aceh Singkil. Jurnal El-Hadhanah: Indonesian Journal Of Family Law And Islamic Law, 1. https://doi.org/10.22373/hadhanah.v1i1.1617
  23. Nizar, Muchamad Choirun. (2016). Pembiayaan Talangan Haji Dalam Perspektif Fiqh. Ulul Albab ISSN: 0853-4114 Edisi No. 34.
  24. Nizar, Muchamad Choirun. (2017). Qaul Shahabi Dan Aplikasinya Dalam Fiqh Kontemporer. Ulul Albab: Jurnal Studi Dan Penelitian Hukum Islam, 1. https://doi.org/10.30659/jua.v1i1.1968.
  25. Palangkey, Rahmi Dewanty, Kasjim Salenda, Marilang Marilang, A Qadir Gassing, Huilili YuXi, and Tabhan Syamsu Rijal. (2021). Analysis of Islamic Law on Consumer Protection in Hajj and Umrah Business in Indonesia. Jurnal Al-’Adalah, 18. https://doi.org/10.24042/adalah.v18i1.7533.
  26. Piryanti, Meri. (2014). Akibat Hukum Perjanjian (Akad) Dan Terminasi Akad. Jurnal At-Tahdzib, 2. http://ejournal.kopertais4.or.id/mataraman/index.php/tahdzib/article/view/1836.
  27. Pratiwi, Ariani Dian, Idqan Fahmi, and Rifki Ismal. (2019). Optimal Hajj Funds Management by Islamic Bank. Etikonomi Journal, 18. https://doi.org/10.15408/etk.v18i2.10938.
  28. Prawiro, Atmo. (2022). Aktualisasi Akad Dalam Fikih Muamalah Bagi Lembaga Keuangan Syariah. Tasyri’ Journal of Islamic Law, 1. https://doi.org/10.53038/tsyr.v1i2.30
  29. Putra, Muhammad Deni. (2017). Iltizam Journal Of Shariah Economic Research, 1.
  30. Rachmawaty, Kartika Dian Pandaya, and Alshamma Jamal Mohammed Al Azab. (2019). The Implementation of Wakalah Contract by Multifinance Companies in Indonesia. International Journal of Islamic Economics, 1. https://doi.org/10.32332/ijie.v1i01.1577.
  31. Rambe, Laila Afni. (2020). Islamic law review on use of Go-Pay in payment of zakat. Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam, 3. http://dx.doi.org/10.30659/jua.v3i2.7800
  32. Rana, Afrasiab Ahmed. (2021). Essentials of a Valid Contract: A Comparative Study of Islamic Law and the Contract Act, 1872. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.3753738.
  33. Regio, D. (2022). FG IV – Economic and Policy Analyst. European Commission Joint Research Centre
  34. Shamsuddin, Zelhuda, and Abdul Ghafar Ismail. (2013). Agency Theory in Explaining Islamic Financial Contracts. Middle East Journal of Scientific Research, 15. https://doi.org/10.5829/idosi.mejsr.2013.15.4.2361.
  35. Sholihin, Ahmad Ifham. (2016). Logika Fikih Muamalah Kontemporer.
  36. Sup, Devid Frastiawan Amir, Selamet Hartanto, and Rokhmat Muttaqin. (2020). Konsep Terminasi Akad Dalam Hukum Islam. Ijtihad : Jurnal Hukum Dan Ekonomi Islam, 14. https://doi.org/10.21111/ijtihad.v14i2.4684.
  37. Syahza, Almasdi. (2021). Metodologi Penelitian (Edisi Revisi Tahun 2021).
  38. Syaichoni, Ahmad. (2020). Al-Ijarah Al-Maushufah fi Al-Dzimmah in the Study of Islamic Financial Economics. Economica: Jurnal Ekonomi Islam, 11. https://doi.org/10.21580/economica.2020.11.2.6834
  39. Tarmizi, Erwandi, and Muhammad Maulana Hamzah. (2021). Dropshipping Dalam Perspektif Fiqh Muamalah Kontemporer. Iltizam Journal of Shariah Economic Research, 5. https://doi.org/10.30631/iltizam.v5i1.875
  40. Umam, Khotibul, Zainal Abidin, and Farid Firmansyah. (2019). Analisis Perlakuan Biaya Penyelenggaraan Ibadah Haji Dalam Perspektif Akuntansi. Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis, 7. https://doi.org/10.30871/jaemb.v7i2.1358.
  41. Zakiruddin, Muhammad Aziz. (2021). Dynamics Of Hajj Financial Management Regulation In Efforts To Good Governance. Jurnal Mizani: Wacana Hukum, Ekonomi dan Keagamaan, 8. http://dx.doi.org/10.29300/mzn.v8i2.5387
  42. Zein, Fitriyani. (2018). Legislation Fatwa National Sharia Board-Indonesian Council of Ulama (DSN-MUI) In the State Economic Policy. Jurnal Cita Hukum (Indonesian Law Journal, 6. https://doi.org/10.15408/jch.v6i1.8267.

Open Access Copyright (c) 2024 Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

ULUL ALBAB: Jurnal Studi dan Penelitian Hukum Islam
Published by Department of Sharia, Faculty of Islamic Studies, Universitas Islam Sultan Agung Semarang
Jl. Kaligawe Ray KM. 4 Semarang, Indonesia
Phone: +62 81359100363
Website: http://jurnal.unissula.ac.id/index.php/ua
Email: jurnalululalbab@unissula.ac.id

ULUL ALBAB stats

ISSN: 2597-6168 (Print)
ISSN: 2597-6176 (Online)
DOI : 10.30659/jua

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License

Get a feed by atom here, RRS2 here and OAI Links here

apps