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primary topic: TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL

TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL
type: Thesis
type: Article
abstract: The increasing number of Umrah pilgrims in Indonesia has encouraged travel agencies to introduce financing innovations, including installment programs without collateral. PT. Babussalam Mubarak Internasional is one of the agencies that has adopted this system. While it facilitates access for lower-middle-income communities, the scheme raises questions regarding its compliance with sharia principles, potential for injustice, and the lack of legal protection for pilgrims. Therefore, this study aims to comprehensively examine the financing practices from the perspectives of Islamic law, the theory of justice, and the theory of legal certainty. This research adopts a qualitative approach using field research methods. Data were collected through interviews, direct observations, and documentation related to the Umrah financing program at PT. Babussalam Mubarak Internasional. The analysis is framed by Islamic legal theory in muamalah (particularly contracts), John Rawls’ distributive justice theory, and the theory of legal certainty based on positive law. The primary objective of this study is to evaluate whether the installment scheme without collateral fulfills the principles of sharia-based justice, provides fair access to vulnerable groups, and is supported by a strong legal foundation and adequate protection of pilgrims' rights. The findings reveal that the installment-based Umrah financing system without collateral has not fully met the principles of transparency and legal protection. In terms of funding sources, the financing is provided from the company’s internal funds rather than formal financial institutions, which limits oversight and legal certainty. Although the scheme can be justified under sharia law if based on a clear contract (akad), in practice, ambiguities remain regarding the type of contract used and the absence of a formal written agreement. As a consequence, the lack of contract clarity and legal documentation poses risks of disputes and uncertaint…
date: 2025-06-30
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Text)
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has document: TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
subject: 297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah

TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Text)
type: Document
has file: 21103080054_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 21103080054_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 21103080054 Ahmad Aqil Dliya’uddin
type: Person
given name: NIM.: 21103080054
family name: Ahmad Aqil Dliya’uddin

TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
type: Document
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
type: Document
is version of: TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Text)
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
type: Document
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
type: Document
is version of: TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Text)
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
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TINJAUAN HUKUM ISLAM TERHADAP PELUNASAN BIAYA PERJALANAN UMROH DI PT. BABUSSALAM MUBAROK INTERNASIONAL (Other)
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297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah
type: Concept