Menerima Jasa Desain dari Bank Konvensional Perspektif Kaidah Irtikābu Akhaffi al-Ḍararaini
Accepting Design Services from Conventional Banks in the Perspective of the Legal Maxim Irtikābu Akhaffi al-Ḍararaini
DOI:
https://doi.org/10.36701/mabsuth.v1i2.2390Keywords:
islamic legal maxims, irtikābu akhaffi al-ḍararaini, conventional banking, muamalah, professional servicesAbstract
This research aims to analyze the Islamic legal perspective on transactions (muamalah) with conventional banks, and whether the legal maxim irtikābu akhaffi al-Ḍararaini (choosing the lesser of two harms) can be used as Legitimate proof in Islamic law for accepting design service projects from conventional banks. The purpose of this research is to assess the involvement of graphic designers in cooperation with conventional banks from the perspective of this legal maxim. This is a normative qualitative study employing a library research method, examining classical and contemporary Islamic legal sources. The findings reveal that the involvement of non-financial professions such as graphic designers with conventional banks remains impermissible according to Islamic law, as it constitutes ta‘āwun ‘ala al-Ithm (cooperation in sin), even if not directly engaged in usurious transactions. The principle of irtikābu akhaffi al-Ḍararaini cannot be applied in this case, as there is no valid state of necessity (ḍarūrah) according to Islamic legal standards. Upholding caution in earning lawful income (ḥalāl) remains a priority, and refusing to collaborate with usurious institutions reflects piety and contributes to an economy free from elements of riba. The implications of this research are expected to provide theoretical and practical benefits to society. Theoretically, the study confirms that the maxim irtikābu akhaffi al-Ḍararaini cannot be used to justify accepting work from usurious institutions in non-emergency conditions. Practically, the findings serve as guidance for muslim professionals—especially in creative fields—to exercise greater caution in choosing business partners in accordance with Sharia principles. Furthermore, the study encourages collective awareness to build an economic ecosystem free from riba and to promote broader halal business alternatives
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