Implementasi Qawa'id Fiqhiyyah dalam Penanggulangan Pinjaman Online Ilegal melalui Optimalisasi Fungsi Zakat Produktif

Abstract

This study explores the application of Qaw??id Fiqhiyyah (Islamic legal maxims) in addressing the growing problem of illegal online loans (pinjaman online ilegal) in Indonesia by optimizing the function of productive zakat. Illegal online loans often impose high-interest rates and unethical collection practices, causing significant social and economic harm, especially to vulnerable communities. By employing key fiqh maxims such as Al-?arar Yuz?l (harm must be eliminated) and Al-Masyaqqah Tajlib al-Tays?r (hardship brings ease), this research proposes a strategic framework that aligns with maq??id al-shar?‘ah (objectives of Islamic law) to mitigate these harms. Productive zakat is emphasized as a sustainable alternative financial instrument that empowers mustahik (zakat recipients) through capital provision, financial literacy, and business development support. The integration of zakat management institutions with Islamic financial education is highlighted as a critical synergy for enhancing economic resilience and reducing dependency on predatory lending. This paper concludes that the implementation of Qaw??id Fiqhiyyah principles in zakat productive programs offers an effective, ethical, and sustainable solution to combat illegal online lending, thereby promoting social justice and economic well-being within the framework of Islamic finance