Utang Piutang Dalam Al-Qur’an: Kajian Tematik QS. Al-Baqarah: 282-282 Tentang Nilai-Nilai Etis Transaksi

Authors

  • Eka Rosyida Agustina Sekolah Tinggi Agama Islam Al Mujtama Pamekasan
  • Abdul Syukkur Sekolah Tinggi Agama Islam Al Mujtama Pamekasan

Keywords:

Debt Transactions, Thematic Tafsir, QS. Al-Baqarah: 282–283, Muamalah Ethics.

Abstract

Debt transactions constitute an important aspect of muamalah with social and ethical implications. The Qur’an addresses this issue in QS. Al-Baqarah: 282–283, which regulates debt transactions in detail. However, existing studies tend to emphasize legal and procedural aspects, with limited attention to their ethical dimensions. This study aims to analyze the ethical values of debt transactions in the Qur’an using a thematic (maudhu’i) tafsir approach. It employs a qualitative library research method. The analysis is conducted through stages of thematic interpretation, including determining the theme, collecting related verses, analyzing the context of the verses (asbāb al-nuzūl and munāsabah), and examining the interpretations of mufasirs. The findings reveal that these verses highlight not only procedural aspects, such as documentation and witnesses, but also ethical principles, including justice, trustworthiness, responsibility, and protection of vulnerable parties. This study offers an ethical reading of debt transactions, which have been predominantly understood in legal terms, thereby emphasizing their foundation in social justice within the Qur’anic framework.

References

1990.

Al- Alusi, Mahmud. Ruh Al-Ma’ani. Beirut: Dar al-Kutub al-’Ilmiyah, 1995.

Al- Zuhayli, Wahbah. Al-Tafsir Al-Munir Fi Al-’Aqidah Wa Al-Syari’ah Wa Al-Manhaj. Damaskus: Dar al-Fikr, 2009.

Al-Baidhawi, Abdullah bin Umar. Anwar Al-Tanzil Wa Asrar Al-Ta’wil. Beirut: Dar al-Kutub al-’Ilmiyah, 1997.

Al-Nasafi, Abdullah bin Ahmad. Madarik Al-Tanzilwa Haqaiq Al-Ta’wil (Tafsir Al-Nasafi). 1st ed. Beirut: Dar al-Kalim al-Tayyib, 1998.

al-Qurthubi, Abu Abdillah Muhammad bin Ahmad. Al-Jāmi‘ Li Aḥkām Al-Qur’Ān. Cetakan pe. Beirut: Al-Resalah Publishers, 2006.

———. Al-Jāmi‘ Li Aḥkām Al-Qur’Ān. Cetakan pe. Beirut: Al-Resalah Publishers, 2006.

Al-Razi, Fakhruddin Muhammad. Mafatih Al-Ghayb. Beirut: Dar Ihya al-Turath al-Arabi, 2000.

Al-Suyuthi, Jalaluddin. Lubab Al-Nuqul Fi Asbab Al-Nuzul. 1st Ed. Beirut: Dar al-Kutub al-’Ilmiyah, 2002.

Al-Tabari, Muhammad ibn Jarir. Jāmi‘ Al-Bayān ‘an Ta’Wīl Āy Al-Qur’Ān. Cetakan pe. Beirut: Dar al-Kutub al-’Ilmiyah, 2000.

———. Jami’ Al-Bayan ’An Ta’wil Ay Al-Qur’an. Cetakan pe. Beirut: Dar al-Kutub al-’Ilmiyah, 2000.

Al-Wahidi, ’Ali Ibn Ahmad. Asbab Al-Nuzul. 1st Ed. Beirut, 1991.

Al-Zamakhshari, Mahmud Ibn Umar. Al-Kashshaf ’an Haqaiq Ghawamid Al-Tanzil Wa ’Uyun Al-Aqawil Fi Wujuh Al-Ta’wil. 3rd Ed. 2009: Dar al-Ma’rifah, n.d.

Alwan, Faiq Fatih, Fakultas Hukum, Universitas Negeri, Fakultas Hukum, and Universitas Negeri. “KEABSAHAN KONTRAK DALAM EKONOMI SYARIAH : Pendahuluan” 2, no. 2 (2025): 293–305.

Amir, Amir. ““ Relevansi Prinsip -Prinsip Akuntansi Terhadap Qs . Al-Baraqarah Ayat” 3, no. 01 (2025): 9–22.

As-Sa’di, Abdurrahman. Taisir Al-Karim Al-Rahman Fi Tafsir Kalam Al-Mannan. Cetakan 1. Riyadh: Dar as-Salam, 2000.

Auda, Jasser. Maqasid Al-Shariah as Philosophy of Islamic Law: A System Apporach. 1st Ed. London: International Institute of Islamic Thought (IIIT), 2008.

Fathurrosyid, Rohimatus Shalihah dan. “Qur’an In Daily Life : Studi Visualisasi Mushaf Al-Qur ’ an Di Era Post-Modernisme.” Jurnal Studi Al-Qur’an Dan Tafsir 3, no. 2 (2024): 110–37. https://journal.ua.ac.id/index.php/jsqt.

Fitriani, Rina Marlina. “Al-Kharaj, Volume 3 Nomor 2 TRANSAKSI PINJAMAN ONLINE DALAM PERSPEKTIF EKONOMI SYARIAH Fitriani.” Al-Kharaj 3 (2018): 1–13.

Ibn ’Ashur, Muhammad al-Tahir. Tafsir Al-Tahrir Wa Al-Tanwir. 1 st Ed. tunis: Dar al-Tunisiyyah, 1984.

Ibn Kathir, Ismail Ibn Umar. Tafsir Al-Qur’an Al-’Azim. 2nd Ed. Riyadh: Dar Tayyibah, 1999.

Islam, Universitas, and Muhammad Syafiuddin. “Landasan Ilahiyah Akuntansi Syariah :” 1, no. 4 (2025): 342–55.

Jannah, Miftahul, Aimatul Khoiriyah, Hera Hapsari Kusuma, and Heri Rifhan Halili. “Etika Muamalah Dalam Al- Qur ’ an Dan Relevansinya Bagi Penguatan Ekonomi Warga Muhammadiyah” 12 (2026): 421–33.

Khanifa, N K, and M S Walutfi. “Kesaksian Perempuan Dalam Transaksi Bisnis Studi Perbandingan Tafsir Al-Azhar Dan Al-Misbah.” TRIPUTRA: Sosial, Ekonomi Dan … 02 (2025): 67–76. https://journal.nacreva.com/index.php/triputra/article/view/143%0Ahttps://journal.nacreva.com/index.php/triputra/article/download/143/101.

Law, Islamic. “Jurnal Al-Fatih Global Mulia” 2, no. 2 (2020): 49–64.

Muslim, Imam. “Tafsir Maudhu’i : Menelitik Sejarah, Metode Dan Siginifikansinya Dalam Pemikiran Tafsir Kontemporer” 5, no. 6 (2016): 1–23.

Ningsih, Dian Wirna, and Mawardi. “Filosofis Pemikiran Konsep Keadilan Dalam Ekonomi Syariah.” Jurnal Ekonomi Sakti 14, no. 2 (2025): 141–50.

Qurratulaini, Intan. “Jurnal_iqtishadiah,+5.+Jujur+dan+Amanah+80-100” 5 (2024): 80–100.

Qutb, Sayyid. Fi Zhilal Al-Qur’an. 30 jilid. Kairo: Dar al-Syuruq, 1952.

Rohman, Adi Nur. “Urgensi Pengaturan Fintech Lending Syariah Di Indonesia: Analisis Perlindungan Hukum Bagi Pengguna Layanan.” Jurnal Legislasi Indonesia 20, no. 1 (2023): 16–27. https://doi.org/10.54629/jli.v20i1.991.

Rosyidatul, Azizah, and Sofiah. “Analysis of Accounting Verses in Surah Al-Baqarah Verse 282 Perspective of Ibnu Katsir’s Interpretation.” Procedia Business and Financial Technology 1, no. 1 (2024): 18–25.

Ruslan, Mohammad. “Konsep Hutang Piutang Dalam Al- Qur ’ an Qs . Al - ( Studi Kompratif Tafsir Al-Maraghi Dan Tafsir Al- Azhar )” 1, no. 1 (2026). https://doi.org/10.58223/al-idrak.v1i1.692.

Shihab, M. Quraish. Tafsir Al-Misbah: Pesan, Kesan, Dan Keserasian Al-Qur’an. 1st Ed. Jakarta: Lentera Hati, n.d.

Suriati, N. “Manajemen Hutang Piutang ( Kajian Analisis Terhadap Surah Al-Baqarah Ayat 282 ).” Al-Idarah : Jurnal Manajemen Dan Administrasi Islam 5, no. 2 (2021): 11–24. https://ejurnalstebis.ac.id/index.php/At-Tanmiyah/index.

Syukriyana, Dzikriya, Noer Sasongko, and Rina Trisnawati. “Accounting in Islamic Societies: Al Baqarah 282-283.” International Journal of Economics, Business and Accounting Research (IJEBAR) 5, no. 4 (2021): 1241–50. https://jurnal.stie-aas.ac.id/index.php/IJEBAR.

Yuswalina. “Hutang-Piutang Dalam Prespektif Fiqh Muamalah Di Desa Ujung.” Yuswalina Intizar 19, no. 2 (2013): 395–410.

Downloads

Published

2026-04-30

How to Cite

Eka Rosyida Agustina, & Abdul Syukkur. (2026). Utang Piutang Dalam Al-Qur’an: Kajian Tematik QS. Al-Baqarah: 282-282 Tentang Nilai-Nilai Etis Transaksi. Ta’wiluna: Jurnal Ilmu Al-Qur’an, Tafsir Dan Pemikiran Islam , 7(1), 428–441. Retrieved from https://ejournal.iaifa.ac.id/index.php/takwiluna/article/view/3077