HOUSEHOLDS’ OVER-INDEBTEDNESS: AN EXPLANATION FROM A SHARI‘AH PERSPECTIVE

Wed, 30 Aug 2023 00:00:00 +0800

Excessive indebtedness at the individual level can create vulnerability to exploitation (Zulm), leading to a modern form of slavery known as debt bondage. Household over-indebtedness has become an increasingly widespread phenomenon in Malaysia, compounded by the negative economic impact of the COVID-19 pandemic. In response, this study explores the different aspects of indebtedness from a Sharī‘ah perspective. The research draws on a qualitative methodology, including an intensive literature review, analysis of Quranic verses and the sayings of the Prophet. (pbuh), as well as interviews with reputable scholars. The study provides a detailed understanding of Sharī‘ah's position on debt in various circumstances, the relationship between debtors and creditors, preventive solutions, and solutions for those over-indebted. The study highlights rules that regulate the relationship between debtors and creditors and suggests solutions to assist households in financial difficulties. The study concludes that incurring debt should be for Sharī‘ah-compliant purposes and with a genuine intention to pay back, regardless of the hierarchy of needs. This study makes a valuable contribution to the literature on preventing debt bondage and offers insights that can help households avoid over-indebtedness.

CURTAILING THE SECURITY CHALLENGES IN NIGERIA: LESSONS FROM THE QUR’ĀNIC STORY OF DHU AL-QARNAYN

Sulyman Muhammad Busayri, AbdulGafar Olawale Fahm — Wed, 20 Sep 2023 00:00:00 +0800

The purpose of this paper is to examine the security challenge in contemporary Nigeria and to identify the lessons from the Qur’ānic story of Dhu al-Qarnayn as a model for addressing security issues in the country. This study is descriptive and qualitative. Selected examples of security issues in the Qurʾān and early Islam, the Qur’ānic references to security in Surah 18:83-101 and its connection to security challenges in Nigeria were reviewed, to identify a practical approach for curtailing security challenges to promote national development. Results show that Islam as a comprehensive religion, directly and indirectly, recommends various approaches towards mopping away the insecurity. The paper emphasizes that experience of Dhu al-Qarnayn as depicted in Q.18:83-101 is a sufficient idea in tackling the defacing occurrences of maiming, kidnapping, carting away of public properties, illegal protest, and the like.

Jurnal Syariah

HOUSEHOLDS’ OVER-INDEBTEDNESS: AN EXPLANATION FROM A SHARI‘AH PERSPECTIVE

CURTAILING THE SECURITY CHALLENGES IN NIGERIA: LESSONS FROM THE QUR’ĀNIC STORY OF DHU AL-QARNAYN