Abstract
Improper household financial management often becomes a dispute in the family, which eventually becomes the cause of divorce. The divorce rate in Indonesia in 2020 reached 306,688 cases which has increased every year since 2015. According to data in June and July 2020, the number of divorce cases increased by 57 thousand cases with 80 percent of divorce cases that went to Religious Court filed by wives. Of all these cases, not a few are triggered by economic problems in the family. Family financial management hence is a way of managing family finances regularly and carefully through the stages of planning, implementing, and monitoring. By using library research and field research, this research categorizes and interprets the literatures using thematic analysis perspective. Coupled with understanding of maqasad al shari’ah, the results of the study find that Islamic family financial management starts from planning, based on tawhid and straight intentions. Then the family has to manage income, which ensures income is obtained and used in a lawful and tayyib way, complete with sense of mujahadah and ukhuwah. The family also has to manage needs, allocate proportionally (not stingy and wasteful), donate, record every cash flow (money in and out), Then if there is a surplus it must be managed with savings/investment and if the deficit is attempted to stay away from debt. Next, the family has to fulfill five elements of maqasad al shari’ah to achieve family financial dreams. Finally, financial evaluation is carried out by auditing, zuhud, gratitude and muhasabah. So that all financial activities must be run with good morals.
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Notes
- 1.
This is based on the author’s conclusion in reading and analyzing several local newspapers in big cities in Indonesia.
- 2.
The five big cities were deliberately chosen because from 2016 to 2019 they experienced a significant increase. And four years from 2016 to 2019 were taken because that was the most recent year issued by the Supreme Court, https://ujungan3.mahkamahagung.go.id/.
- 3.
Dyah Kusumawati, Pengelolaan Keuangan Dalam Keluarga dari Sudut Pandang Islam, online journal that is accessed at https://media.neliti.com/, page.175.
- 4.
Efrita Norman and Ermi Suryani, “Managemen Keuangan Keluarga Pascaperceraian”, As-Syar’i: Jurnal Bimbingan & Konseling Keluarga. Vol. 1 no. 1, 2019, page. 25.
- 5.
Abu Zakariya Muhyiddin Yahya An Nawawi, Riyadhus Shalihin, Cairo: Dar Dakwah Al Islamiyah, Page. 131.
- 6.
Al-Qalami, Abu Fajar Ringkasan Ihya’ Ulumiddin, First Printing. (Surabaya: Gitamedia Press, 2003).
- 7.
Dodik Siswantoro, ibid, page. 21–24.
- 8.
Mujamma’ Al Malik Fadh Li Thiba’et al. Mush-haf Asy-Syarif, page. 42.
- 9.
Ibid, page.568.
- 10.
The editor of this hadith was mentioned by Imam Bukhari and Imam An-Nasa’i.
- 11.
Mujamma’ Al Malik Fadh Li Thiba’et al. Mush-haf Asy-Syarif, hlm. 933.
- 12.
Luqyan Tamanni dan Murniati Mukhlisin, Sakinah Finance, (Solo: Tinta Medina, 2018), page. 34.
- 13.
Dodik Siswantoro, Wealth Management (Manajemen Harta) Rasulullah SAW, Metode Pembelajaran Dari Hal Yang Belum Pernah Dibahas, (Yogyakarta: Phoinix Publisher, 2020), page. 14.
- 14.
QS. Al Isra’:29, Al-Quran dan Terjemahannya, Mujamma’ Al Malik Fadh Li Thiba’et al. Mush-haf Asy-Syarif, 1418 H, page. 428.
- 15.
Ibid.
- 16.
Mujamma’ Al Malik Fadh Li Thiba’et al. Mush-haf Asy-Syarif, Al-Qur’an and Terjemahannya, (Madinah:1424 H). page.116.
- 17.
HR Al-Baihaqi from Abu Hurairah Radhiyallahu ‘Anhu.
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Ningish, P.A., Mukhlisin, M., Nelli, J. (2022). Family Financial Management in Realizing Sakinah Family. In: Azid, T., Mukhlisin, M., Altwijry, O. (eds) Wealth Management and Investment in Islamic Settings. Springer, Singapore. https://doi.org/10.1007/978-981-19-3686-9_10
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