Persepsi Dosen STIS Hidayatullah Balikpapan Tentang Arisan

Abstract

Arisan (rotating savings and credit association) is a popular social activity in society and is also practiced among lecturers at STIS Hidayatullah. However, its status under Islamic law remains a subject of debate. Some scholars permit arisan based on the principle that the default rule in muamalah (social transactions) is permissibility, and the lottery mechanism within arisan is allowed. Others consider it prohibited due to its resemblance to two contracts within one transaction. This study aims to analyze the perceptions of STIS Hidayatullah lecturers regarding the Islamic ruling on arisan. Using a qualitative approach, the study finds that, according to Islamic law, arisan is permissible as long as it adheres to the basic principles of muamalah and the concept of qarḍ as outlined in the Qur'an and hadith. However, its implementation must meet the condition of guaranteed payments. Conversely, arisan may be deemed non-compliant with Islamic law if conducted by individuals who are financially incapable. These findings provide a balanced perspective on the practice of arisan from the standpoint of Islamic jurisprudence.