Problematika Kartu Kredit Syariah Perspektif Kepastian Hukum dan Maqashid Syariah
The Sharia Credit Card Problem of Legal Certainty and Sharia Maqashid Perspective
Abstract
The ease of conducting transactions using Shariah-compliant credit cards has sparked controversy in the field of Islamic law. Society tends to be more consumptive with a lifestyle that is easy and efficient, so individuals who are unable to control their finances may fall into accumulating shopping debts along with associated costs due to the inability to pay for these expenditures. Such activities are already in contradiction with the provisions regarding the Limitations (Dhawabith wa Hudud) of Shariah Cards as outlined in the Fatwa of the National Shariah Council of Indonesia (DSN-MUI) Number 54/DSN-MUI/X/2006. This research will address the legal problems arising from the use of Shariah-compliant credit cards from the perspective of legal certainty and Shariah objectives (maqasid). The study identifies problems faced by users of Shariah-compliant credit cards in the context of legal certainty, such as ambiguity in the regulations governing Shariah-compliant credit cards. Additionally, this research will discuss the benefits of Shariah-compliant credit cards in supporting Shariah objectives, namely achieving prosperity and justice for society. The research method used is normative juridical research using legal materials such as laws and regulations governing Shariah-compliant credit cards. Literature review is employed to understand the concept of Shariah objectives regarding the benefits of Shariah-compliant credit cards. The findings of this research can contribute positively to enhancing public education about the proper use of Shariah-compliant credit cards and their legal implications, as well as supporting Shariah objectives in the practice of Islamic economics
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