An Islamic Law Perspective on Online Rotating Savings and Credit Associations (ROSCAs) among Housewives
This study aims to examine the practice of arisan online among housewives in Desa Pandan Lagan from the perspective of Islamic economic law. The research is motivated by the phenomenon of digitalized arisan, which provides convenience but simultaneously raises risks such as default, fraud, and weak transparency in the system. A qualitative case study strategy was employed, combining an empirical juridical approach with normative Sharia analysis. Primary data were collected through interviews, observations, and documentation involving the administrator, active members, and local religious leaders, while secondary data were drawn from fiqh muamalah literature, KHES regulations, and DSN-MUI fatwas. The findings reveal that arisan online practices in Desa Pandan Lagan are supported by internal mechanisms such as transparent financial reporting, written rules agreed upon collectively, and the imposition of fines that encourage timely payments. Nevertheless, instances of default and limited transparency in managing penalty funds were identified, which may lead to elements of gharar and tadlis. The contribution of this study lies in its integration of empirical data with normative Sharia analysis, enriching contemporary fiqh muamalah literature while offering practical recommendations for communities and policymakers to manage arisan online more fairly, transparently, and in accordance with Islamic legal principles.
