Analysis of Arisan Berhadiah in the Perspective of Sharia Economic Law Case Study: Arisan Artha Syar`i at BMT Syariah Sejahtera Boyolali

Abstract

This research aims to analyze the implementation of Arisan Artha Syar'i at BMT Syariah Sejahtera Boyolali from the perspective of Sharia Economic Law. Arisan Artha Syar'i is a rewarded arisan program run by sharia principles, where every transaction and mechanism applied must be in accordance with Islamic economic fatwas and regulations. The research method used is qualitative with a case study approach. Data were obtained through observation, in-depth interviews, and documentation from arisan managers and participants. The results show that Arisan Artha Syar'i has implemented sharia-compliant contracts, such as tabarru' (helping) and mudharabah (profit sharing) contracts in fund management. The prize draw is conducted transparently and in accordance with sharia principles, without any elements of maysir (gambling) and usury. The socio-economic impact of this program not only increases Islamic financial literacy but also strengthens social solidarity among BMT members. The program is able to assist participants in meeting urgent needs such as education costs and business capital. However, there are several challenges in its implementation, including ensuring transparency in fund management and providing adequate education to participants on the principles of Islamic economics. Periodic supervision and evaluation are needed to maintain the sustainability of the program in accordance with Islamic law. Arisan Artha Syar'i at BMT Syariah Sejahtera Boyolali is a sharia-based financial management model that not only provides economic benefits but also builds public awareness to invest halal.