Wardani, Baiq Alfina Rahma (2024) ANALYSIS OF ISLAMIC LAW ON THE ARISAN MODEL WITH AN AUCTION SYSTEM IN THE BUYAN PANCASARI BULELENG COMMUNITY. S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

Banjar Buyan Pancasari is one of the villages in the Buleleng area that has a unique way of empowering its community, especially the mothers, through the establishment of a money arisan with an auction system. The existence of this money arisan with an auction system not only aims to enhance the empowerment of the mothers in Banjar Buyan Pancasari but also to improve harmony among the community, as this arisan is not only attended by Muslim community members but also by all residents of Banjar Buyan Pancasari, from Muslims to those of other religions such as Hinduism. This research was conducted with the aim of analyzing how Islam views the money arisan activities with an auction system that occur in the Buyan Pancasari community, both in terms of the permissibility of such money arisan with an auction system and how agreements are reached among the various religious communities involved in it. This research uses field research with a qualitative approach. The data obtained are derived from interviews, observations, and documentation. Subsequently, the obtained data are analyzed using the descriptive method. The results obtained from this research can be concluded that the practice of money arisan with an auction system realized by the Buyan Pancasari community is an activity that is permissible in Islam. This is because the arisan does not contain elements prohibited by Islamic law such as MAGHRIB (maysir, gharar, and riba), and the agreements made within it include elements of mutual consent and are conducted transparently. Similarly, the reason this practice is permitted is because the contract involved is a qard or loan contract, which aligns with the arisan scheme in the Buyan community. In this arisan practice, the winner of the arisan is in the position of the borrower, while those who have not yet won the arisan are in the position of the lenders. The money must be repaid by the borrower in installments, continuing to pay the arisan in each episode. the researchers will attach recommendations including Clearer regulations are needed for the practice of money arisan, taking into account Islamic law aspects, for the protection of all parties involved. For the money arisan organizers, it is expected that they maintain systematic records to avoid dissatisfaction that could harm the parties involved.

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