Perlindungan Ekonomi Keluarga dalam Pembiayaan Koperasi Kepolisian: Analisis Fikih Muamalah terhadap Kepastian Akad dan Kewajiban Nafkah
DOI:
https://doi.org/10.15575/as.v7i2.60103Keywords:
Family Economic Protection; Family Maintenance; Cooperative Financing; Islamic Commercial Jurisprudence; Contractual Certainty.Abstract
Cooperative financing serves as an important instrument for meeting members' economic needs. However, contractual mechanisms and repayment obligations require careful examination because they may affect the fulfillment of family maintenance obligations. This study aims to analyze financing mechanisms at the Primary Police Cooperative (Primkoppol) of Rejang Lebong Police Department, examine their conformity with the principles of Islamic commercial jurisprudence (fiqh muamalah), and explore the relevance of contractual certainty to the economic protection of members' families. Employing a qualitative approach and an empirical juridical method, the study draws on interviews, observations, and document analysis, interpreted through the principles of Islamic commercial jurisprudence and Islamic family law. The analysis indicates that the validity of cooperative financing must be assessed according to the substance of transactions rather than merely their contractual designations. Monetary loans must be distinguished from mudharabah contracts, while installment-based purchases require examination under the characteristics of murabahah or ijarah. Clarity regarding contractual objects, prices, profit margins, additional charges, repayment periods, and financial obligations is essential for identifying potential elements of riba and gharar. From an Islamic family law perspective, contractual certainty is normatively relevant to family economic protection because it helps balance contractual liabilities with family maintenance obligations. Nevertheless, the actual effects of financing on household economic conditions cannot be established without more specific empirical evidence. This study emphasizes contractual transparency and the protection of members' economic rights as foundations for equitable cooperative financing governance that promotes family welfare.
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