SAAT UTANG DIGITAL MERETAKKAN KELUARGA MUSLIM

Authors

DOI:

https://doi.org/10.58293/gmkt3x56

Keywords:

online gambling, digital lending, divorce, Muslim family, Wael B. Hallaq.

Abstract

This article examines the relationship between online gambling, digital lending, and the growing vulnerability of divorce among contemporary Muslim families in Indonesia. Drawing on a Hallaqian reading, the article frames divorce not merely as the result of domestic conflict, poor marital communication, or household financial failure, but as a symptom of the collapse of the family’s moral economy under the pressure of modern rationality, which normalizes debt, instant consumption, and digital speculation in everyday life. Using a qualitative approach based on critical literature review and conceptual engagement with Wael B. Hallaq’s thought, this article argues that online gambling and digital lending operate not only as economic instruments but also as moral technologies that reshape marital relations, the authority of maintenance, responsibility, shame, and familial trust. In many cases, divorce is not caused simply by the loss of income, but by the erosion of trust, the breakdown of family deliberation, and the weakening of self-restraint as an ethical foundation of Muslim household life. The article contends that Islamic family law needs to read contemporary divorce within a broader frame, namely as an outcome of digital economic structures that produce consumptive, indebted, and ethically detached subjects. A Hallaqian reading therefore opens a critical space beyond procedural legal approaches and offers an ethical basis for understanding the crisis of Muslim families in Indonesia’s digital capitalist landscape.

References

Badan Pusat Statistik. (2024). Jumlah perceraian menurut provinsi dan faktor penyebab perceraian (perkara), 2024. https://www.bps.go.id/id/statistics-table/3/YVdoU1IwVmlTM2h4YzFoV1psWkViRXhqTlZwRFVUMDkjMw%3D%3D/jumlah-perceraian-menurut-provinsi-dan-faktor-penyebab-perceraian--perkara---2024.html?year=2024

Badan Pusat Statistik. (2025). Jumlah perceraian menurut provinsi dan faktor penyebab perceraian (perkara), 2024.

Braun, V., & Clarke, V. (2021). One Size Fits All? What Counts as Quality Practice in (Reflexive) Thematic Analysis. Qualitative Research in Psychology, 18(3), 328–352. https://doi.org/10.1080/14780887.2020.1769238

Breslin, D., & Gatrell, C. (2023). Theorizing through literature reviews: The miner-prospector continuum. Organizational Research Methods, 26(1), 139–167. https://doi.org/10.1177/1094428120943288

Direktorat Jenderal Badan Peradilan Agama Mahkamah Agung Republik Indonesia. (2025). Pemberitahuan pelaporan data perceraian karena judi online.

Dowling, N. A., Hawker, C. O., Merkouris, S. S., Rodda, S. N., & Hodgins, D. C. (2025). Addressing gambling harm to affected others: A scoping review. Part I: Prevalence, socio-demographic profiles, gambling profiles, and harm. Clinical Psychology Review, 116, 102542. https://doi.org/10.1016/j.cpr.2025.102542

Ghelfi, M., Scattola, P., Giudici, G., & Velasco, V. (2024). Online gambling: A systematic review of risk and protective factors in the adult population. Journal of Gambling Studies, 40, 673–699. https://doi.org/10.1007/s10899-023-10258-3

Hallaq, W. B. (2009a). Sharī‘a: Theory, practice, transformations. Cambridge University Press.

Hallaq, W. B. (2009b). Sharīʿa: Theory, Practice, Transformations. Cambridge University Press.

Hallaq, W. B. (2013). The Impossible State: Islam, Politics, and Modernity’s Moral Predicament. Columbia University Press.

Hiebl, M. R. W. (2023). Sample selection in systematic literature reviews of management research. Organizational Research Methods, 26(2), 229–261. https://doi.org/10.1177/1094428120986851

Kunisch, S., Denyer, D., Bartunek, J. M., Menz, M., & Cardinal, L. B. (2023). Review research as scientific inquiry. Organizational Research Methods, 26(1), 3–45. https://doi.org/10.1177/10944281221127292

Nafisah, D., Nasrudin, N., Meidina, A. R., & Zain, M. F. (2024). Comparative analysis of Islamic family law and normative law: Examining the causes of divorce in Purwokerto, Indonesia. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 8(2), 847–871. https://doi.org/10.22373/sjhk.v8i2.16825

Newall, P., Rawat, V., Hing, N., Browne, M., Tulloch, C., Russell, A. M. T., Li, E., Rockloff, M., & Dellosa, G. (2024). Gambling-related harm to affected others: Lived experience differs by relationship type, gambling severity, life circumstances, and relationship factors. International Journal of Mental Health and Addiction. https://doi.org/10.1007/s11469-024-01417-7

Olmos-Vega, F. M., Stalmeijer, R. E., Varpio, L., & Kahlke, R. (2023). A practical guide to reflexivity in qualitative research: AMEE Guide No. 149. Medical Teacher, 45(3), 241–251. https://doi.org/10.1080/0142159X.2022.2057287

Otoritas Jasa Keuangan. (2025). Penyelenggara fintech lending berizin di OJK per 31 Desember 2024.

Page, M. J., McKenzie, J. E., Bossuyt, P. M., Boutron, I., Hoffmann, T. C., Mulrow, C. D., Shamseer, L., Tetzlaff, J. M., Akl, E. A., Brennan, S. E., Chou, R., Glanville, J., Grimshaw, J. M., Hróbjartsson, A., Lalu, M. M., Li, T., Loder, E. W., Mayo-Wilson, E., McDonald, S., … Moher, D. (2021). The PRISMA 2020 statement: An updated guideline for reporting systematic reviews. BMJ, 372, n71. https://doi.org/10.1136/bmj.n71

Pusat Pelaporan dan Analisis Transaksi Keuangan. (2024). Darurat judi online: Cegah dan berantas.

Simsek, Z., Fox, B., & Heavey, C. (2023). Systematicity in organizational research literature reviews: A framework and assessment. Organizational Research Methods, 26(2), 292–321. https://doi.org/10.1177/10944281211008652

Wardle, H., Degenhardt, L., Marionneau, V., Reith, G., Livingstone, C., Sparrow, M., Tran, L. T., Biggar, B., Bunn, C., Farrell, M., Kesaite, V., Poznyak, V., Quan, J., Rehm, J., Rintoul, A., Sharma, M., Shiffman, J., Siste, K., Ukhova, D., … Saxena, S. (2024). The Lancet Public Health Commission on gambling. The Lancet Public Health, 9(11), e950--e994. https://doi.org/10.1016/S2468-2667(24)00167-1

Wright, A., & Michailova, S. (2023). Critical literature reviews: A critique and actionable advice. Management Learning, 54(2), 177–197. https://doi.org/10.1177/13505076211073961

Yanto, Y., Putra, A. R., Rahmani, Z., & Samsudin, M. A. (2024). What makes Gen Z in Indonesia use P2P lending applications: An extension of technology acceptance model. Jurnal Sistem Informasi, 20(1), 1–22. https://doi.org/10.21609/jsi.v20i1.1348

Yuan, G., Fang, J., & Sun, Y. (2024). The impact of fintech on the nexus between household debt and financial crises: A global perspective. Economic Modelling, 130, 106589. https://doi.org/10.1016/j.econmod.2023.106589

Published

31-05-2026

Issue

Section

Articles

How to Cite

SAAT UTANG DIGITAL MERETAKKAN KELUARGA MUSLIM. (2026). BAITUL HIKMAH, 2(1), 17-39. https://doi.org/10.58293/gmkt3x56

Similar Articles

You may also start an advanced similarity search for this article.