Model Bisnis Travel Haji Syariah: Pendekatan Hukum Ekonomi Syariah terhadap Sistem Pembiayaan dan Layanan
Abstract views: 15
,
PDF downloads: 13
Abstract
This study aims to describe the business model of sharia-compliant Hajj travel agencies that are developing in Indonesia and to analyze the conformity of the offered financing systems and services with the principles of Islamic economic law. The research reviews legal documents, DSN-MUI fatwas, and relevant literature using a qualitative case study approach and normative analysis. The findings show that, to ensure transparency, fairness, and sharia compliance, sharia-compliant Hajj travel agencies implement various sharia contracts, such as ijarah, qardh, and wakalah. To avoid riba (usury), gharar (uncertainty), and tadlis (fraud), the business model of these agencies is supported by strict government regulations, such as Law No. 13 of 2008. Improving service quality that meets the principles of maqasid al-sharia remains a challenge in managing sharia-related risks. The study highlights that the role of Islamic financial institutions and the government is crucial to support a trustworthy, fair, and sharia-compliant Hajj travel business. Practical recommendations are provided to enhance the transparency of sharia-compliant Hajj travel operations, improve service quality, and ensure full compliance with applicable sharia rules and principles.
Abstrak
Penelitian ini bertujuan untuk mendeskripsikan model bisnis travel haji syariah yang berkembang di Indonesia serta menganalisis kesesuaian sistem pembiayaan dan layanan yang ditawarkan dengan prinsip hukum ekonomi syariah. Penelitian ini meninjau dokumen hukum, fatwa DSN-MUI, dan literatur terkait menggunakan pendekatan kualitatif studi kasus dan analisis normatif. Studi menunjukkan bahwa untuk menjamin keterbukaan, keadilan, dan kepatuhan syariah, travel haji syariah menerapkan berbagai akad syariah, seperti ijarah, qardh, dan wakalah. Untuk menghindari riba, gharar, dan tadlis, model bisnis travel haji syariah didukung oleh peraturan pemerintah yang ketat, seperti UU No. 13 Tahun 2008. Meningkatkan kualitas layanan yang memenuhi prinsip maqashid syariah masih menjadi tantangan dalam pengelolaan risiko syariah. Penelitian ini menunjukkan bahwa lembaga keuangan syariah dan pemerintah sangat penting untuk mendukung bisnis travel haji syariah yang amanah, adil, dan sesuai syariah tetap beroperasi. Rekomendasi praktis dibuat untuk membuat travel haji syariah lebih jelas, meningkatkan kualitas layanan, dan memastikan kepatuhan penuh terhadap aturan dan prinsip syariah yang berlaku.
Downloads
References
[2] A.P.N.S. Rahma, “Analisis Hukum Ekonomi Syariah Terhadap Sistem Kredit Haji Dan Umroh (Studi Kasus Pt.An-Nur Ma’arif Kabupaten Sidrap),” Thesis, 2024.
[3] A. Safitri, H. Cholidi and Zuraidah, “Akad Ijarah Dalam Tabungan Haji Pada Perbankan Syariah Menurut Perspektif Hukum Ekonomi Syariah,” Jurnal Muamalah, vol. 8, no. 2, pp 201-216, 2022.
[4] D. Hanadya and N.U Auliana, “Pemenuhan Kebutuhan Pelayanan Kepada Jemaah oleh KBIHU dan Tour & Travel Haji dan Umroh,” Jurnal Nawasena, vol. 3, no. 2, pp 81-88, 2024.
[5] E.N. Paradise, M.H. Nasution, E.A. Ratnaduhita, and A. Hafiz, “Peran Lembaga Keuangan dalam Pembiayaan Ibadah Haji dan Umroh,” Jurnal Sosial dan Humaniora, vol. 2, no.1, pp 206-210, 2024, doi: 10.6201/arima.
[6] M.U. Indonesia, “Fatwa Dewan Syariah Nasional No. 29/DSN-MUI/VI/2002 tentang Biaya Pengurusan Haji oleh Lembaga Keuangan Syariah,” Jakarta: Dewan Syariah Nasional Majelis Ulama Indonesia, 2002.
[7] N. Anas, I.S. Beik, and H. Tanjung, “Model Bisnis Kanvas Layanan Haji Pt Bank Syariah X Cabang Cibinong,” Jurnal Aplikasi Bisnis dan Manajemen, vol. 1 no. 2, pp 75-86, 2015, doi: 10.17358/JABM.1.2.75.
[8] N.A. Rahmawati and Z. Fitriyah, “Sosialisasi Jenis Pembiayaan Ibadah Haji Di Cimb Niaga Syariah Kemenag Surabaya,” BHAKTI NAGORI (Jurnal Pengabdian kepada Masyarakat), vol. 5, no. 1, pp 79-86, 2025.
[9] P. Hera, A.A. Anandita and M. Rahil, “Analisis Kesesuaian Akad Wadiahh Pada Tabungan Hijrah Haji Di Bank Muamalat Kcu Palembang,” ISTINBATH: Jurnal Kajian Keislaman dan Informasi Pembinaan Perguruan Tinggi Agama Islam, vol. 16, no. 2, pp 104-116, 2024.
[10] Rahmania, A.D.R. Razak and A.F. Jamal, “Penerapan Prinsip Larangan Maysir, Gharar, Dan Riba Dalam Bank Syariah,” JURNAL Al-MUQARANAH: Jurnal Hukum Dan Pemikiran Islam, vol. 3, no. 2, pp 9-19, 2025.
[11] Riska, “Perspektif Hukum Ekonomi Syariah Terhadap Jasa Pemberangkatan Ibadah Haji Dan Umrah Dengan Sistem Multi Level Marketing (Studi Kasus Pt. Global Surya Insani (GSI) Djahidin Tur And Travel),” Thesis, 2019.
[12] R.N. Lailia, S. Madinah, M. Dayat, “Inovasi pembiayaan haji melalui program Gold to Baitullah di Bank Syariah Indonesia KC Pasuruan Sudirman,” (SJPM) Scitech Journal of Performance Management, vol. 4, no. 2, pp 120–130, 2023.
[13] S. Bidol and A. Astuti, “Pengelolahan Pembiayaan Dana Talangan Haji Melalui Akad Qardh Pada Pt. Bank Tabungan Negara (BTN) Syariah Cabang Makassar,” (MANOR) Jurnal Manajemen dan Organisasi Review, vol. 3, no. 1, 2021.
[14] Sopa and S. Rahmah, “Studi Evaluasi atas Dana Talangan Haji Produk Perbankan Syariah di Indonesia,” AHKAM: Jurnal Ilmu Syariah, vol. 13, no. 2, pp 303-314, 2013, doi: 10.15408/ajis.v13i2.943.
[15] U.K. Avifah and R. Widad, “Implementasi Pelayanan Travel Haji dan Umroh pada Jama’ah di PT. HEMA Tour and Travel & PT. Noor Alia Bondowoso,” Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis, vol. 5, no. 1, pp 72-82, 2025, doi: 10.55606/jaemb.v5i1.5733.
[16] W.D. Lestari, S. Murwanti, and M. Sholahuddin, “Pembiayaan Ibadah Haji Pada Lembaga Keuangan Syariah,” CAKRAWALA: Jurnal Studi Islam, vol. 12, no. 2, pp 141-150, 2017, doi: 10.31603/CAKRAWALA.V12I2.1703.
[17] Y.C. Qoumas and B. Riyanto, “Peraturan Menteri Agama Republik Indonesia Nomor 13 Tahun 2021 Tentang Penyelenggaraan Ibadah Haji Reguler,” 2021.
Copyright (c) 2023 Jurnal Hukum Ekonomi Islam
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
