STUDI PEMBIAYAAN PENDIDIKAN MELALUI DANACITA PERSPEKTIF MAQASID ASY-SYARI’AH

Dzakiyatun Nisa Nurun Nabilah, S.H., NIM.: 22203012108 (2024) STUDI PEMBIAYAAN PENDIDIKAN MELALUI DANACITA PERSPEKTIF MAQASID ASY-SYARI’AH. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Danacita is a peer-to-peer (P2P) lending platform that offers interest-based education financing for students from various universities in Indonesia, including Islamic campuses, as a solution to the rising cost of education that is increasingly burdening students to the point of depression and suicide. However, the implementation of high interest rates in the danacita financing scheme raises concerns about its conformity with sharia principles, especially in the context of the prohibition of usury. This research will analyze three problems. First, how the Danacita financing system is reviewed from Fatwa Number 1 of 2004 concerning Interest. Second, what is the perspective of the emergency theory and wishes on the use of funds by students as education financing. Third, what is the perspective of Maqāṣid as-Syar ̔īah on the use of funds by students as education financing The type of research used to research this research is library research. The nature of the research in this study is analytical descriptive using a philosophical approach, the philosophical approach is carried out by analyzing data using Fatwa on interest, the theory of the rules of the emergency concept of wishes, and Maqāṣid asy-Syar῾īah contains deep reflection on sharia values and goals that aim to realize the good for mankind. The data sources used for education financing for the danacita application are through the official website of danacita, related official documents, related legislation, books and so on that will be analyzed using the haram of interest according to the MUI fatwa, the concept of emergency wishes, and Maqāṣid asy-Syar῾īah. The results of this study state that education financing through Danacita is not in line with sharia provisions according to MUI Fatwa No. 1 of 2004, which prohibits interest-based schemes because they are considered usury. The use of Danacita is still allowed in urgent emergency conditions, especially for students who are threatened with dropping out due to financial inability and have no other alternative to complete UKT payments. This permissibility does not mean that riba is justified, but rather allows action in emergency conditions with strict restrictions The use of Danacita is acceptable in the context of Maqāṣid asy-Syar῾īah because it supports the continuity of education which is part of the maintenance of the intellect (ḥifẓ al-‘aql). This use must be temporary and not used as a long-term solution so as not to burden students' finances in a sustainable manner (ḥifẓ al-mal).

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