Trends in OJK SLIK Audits and Their Relevance to Prenuptial Agreements from a Family Law Perspective
DOI:
https://doi.org/10.25217/jm.v10i2.7180Keywords:
Prenuptial Agreement, Slik Ojk, Islamic Family Law, Financial Transparency, Maqāṣid.Abstract
This study addresses the growing problem of marital conflict and divorce triggered by financial issues, particularly undisclosed debts and the lack of financial transparency prior to marriage. The research aims to analyze the urgency and relevance of premarital examinations of the Financial Information Service System (SLIK OJK) in relation to prenuptial agreements from the perspective of Islamic family law. Employing a qualitative phenomenological approach grounded in the framework of ahwāl al-syakhsiyyah and maqāṣid al-syarī‘ah, the study examines how SLIK OJK functions as a preventive instrument for managing financial risk, protecting property (ḥifẓ al-māl), and preventing harm (dar’ al-mafāsid) within marriage. The findings indicate that premarital SLIK OJK examinations provide an objective basis for drafting prenuptial agreements, particularly in regulating the separation of assets and debts, enhancing mutual trust, mitigating bankruptcy risks, and reducing potential financial disputes after marriage. From an Islamic legal perspective, this emerging practice is considered normatively legitimate as it promotes family welfare (maṣlaḥah al-usrah) and aligns with the objectives of Islamic law. Therefore, this study recommends the formulation of clearer legal and ethical guidelines to govern the use of SLIK OJK information in premarital contexts, ensuring legal certainty, data protection, and harmonious marital relations.
References
Anon. 1991. Kompilasi Hukum Islam Pasal 2 Bab II Tentang Dasar-Dasar Perkawinan.
Anwar, Syamsul. n.d. “Hukum Perjanjian Dalam Islam: Kajian Terhadap Masalah.”
Azkia, Listiana Nurul. 2023. “Tinjauan Hukum Islam Terhadap Perlindungan Hukum Bagi Para Pihak Dalam Perjanjian Perkawinan.”
AΓÇÖyun, Wildaniyah Mufidatul, and Alif Hendra Hidayatullah. 2023. “Perspektif Maslahah Dalam Perjanjian Perkawinan Mengenai Harta Dalam Undang-Undang Perkawinan.” Harmoni 22(1):22–47.
Badruddin. 2017. “Upaya Keluarga Pra Sejahtera Dalam Membentuk Keluarga Sakinah.” Istinbath: Jurnal Hukum 14(1).
Basir, Abd. 2022. Hukum Islam Tentang Perkawinan Dan Waris. Vol. 1. Tohar Media.
Djamil, Fathurrahman. 1999. Filsafat Hukum Islam. Jakarta: Logos Wacana Ilmu.
Dwiputra, Abel Edgar Anugrah. 2022. “Perjanjian Kawin Pasca Berlakunya Putusan Mahkamah Konstitusi Nomor 69/Puu-Xiii/2015.” Jurnal Education and Development 11(1):82–86.
Haikal, Abduttawab. 1993. Rahasia Perkawinan Rasulullah SAW (Poligami Dalam Islam VS Monogami Barat). Jakarta: CV Pedoman Ilmu Jaya.
Izomiddin, M. A. 2023. Falsafah Syariah Hüküm Islam: Hakikat, Hikmah, Prinsip, Tujuan Dan Karakteristik Hukum Islam Dalam Ibadah Dan Muamalah. Prenada Media.
Juita, Firda, Midiansyah Effendi, and Syarifah Maryam. 2025. Buku Ajar Mata Kuliah Metode Penelitian Kualitatif: Penelitian Kualitatif Untuk Menilik Berbagai Fenomena Sosial. Penerbit NEM.
Juliansyahzen, Muhammad Iqbal. 2017. “Pemikiran Quraish Shihab Di Bidang Hukum Keluarga Islam Di Indonesia.” Istinbath: Jurnal Hukum 18(1).
Kenedi, John. 2018. Analisis Fungsi Dan Manfaat Perjanjian Perkawinan. Yogyakarta: Samudra Biru.
Maharani, A. Y. U. Shinta. 2025. “Perlindungan Hukum Terhadap Harta Kekayaan Suami Atau Istri Dengan Pembuatan Akta Perjanjian Kawin Ditinjau Dari Perspektif Hukum Nasional.”
Ndraha, Saverius, Tita Trisnawati Daya, Rudolf Silaban, and Cut Nurita. 2025. “Perlindungan Hukum Terhadap Harta Bawaan Dengan Membuat Akta Perjanjian Perkawinan.” Diktum 3(3):98–104.
Pinem, Lompoh Egia Nuansa, Ni Ketut Sari Adnyani, and Muhamad Jodi Setianto. 2022. “Keabsahan Perjanjian Arisan Online Ditinjau Dari Pasal 1320 Kitab Undang-Undang Hukum Perdata.” Jurnal Komunitas Yustisia 5(3):47–63.
Pratama, Muhammad Amri, Madan Syairazi Zega, Irfan Muhdiya, Haris Fhadillah Butar Butar, and Hawwin Maylafaiza. 2024. “Perjanjian Pranikah Dalam Perspektif Hukum Perdata Di Indonesia.” As-Syirkah: Islamic Economic & Financial Journal 3(3):1556–65.
Pratitis, Sugih Ayu, and Rehulina Rehulina. 2023. “Keabsahan Perjanjian Pra Nikah Dan Akibat Hukumnya Ditinjau Dari Perspektif Hukum.” Jurnal Hukum, Politik Dan Ilmu Sosial 2(2):60–71.
Prodjodikoro, Wirjono. 1991. Hukum Perkawinan Di Indonesia. Bandung: Sumur Bandung.
Putri, Ramadhani Islami, Achmad Khudori Soleh, and M. Aunul Hakim. 2025. “Penundaan Pernikahan Di Kalangan Pasangan Muda: Telaah Hermeneutika Double Movement Fazlur Rahman Terhadap Qs An-Nur: 32.” Jurnal Yaqzhan: Analisis Filsafat, Agama Dan Kemanusiaan 11(1):46–65.
Safira, Elisa, and Abdul Salam. 2022. “Pertanggungjawaban Notaris Terhadap Pembatalan Akta Perjanjian Perkawinan Berdasarkan Undang-Undang Nomor 1 Tahun 1974 Tentang Perkawinan:(Studi Pada Putusan Mahkamah Agung Nomor 598 PK/PDT/2016).” Pro Patria: Jurnal Pendidikan, Kewarganegaraan, Hukum, Sosial, Dan Politik 5(2):142–57.
Santika, Putri, and Faiqul Hazmi. 2024. “Analisis Pembiayaan Bermasalah Produk Pembiayaan Tempo Dengan Skema Balloon Payment Pada Kspps Bmt Soko Guru Ma’arif Jepara.” Jurnal Tabarru’: Islamic Banking and Finance 7(2):535–45.
Soemiyati. 1974. Hukum Perkawinan Islam Dan Undang-Undang Nomor 1 Tahun 1974. Yogyakarta: Liberty.
Susilo, Edi, and Miswanto. 2024. “Analisis Kritis Kesetaraan Pernikahan Dalam Hukum Islam Menuju Pernikahan Harmonis.” Jurnal Al-Izdiwaj 5(1).
Syawalia, Melati Fajri. 2025. “Peran Slik Ojk Dalam Mendukung Transparansi Informasi Keuangan Debitur Di Bank X.”
Uripah, Siti. 2024. “Perkenalan Melalui Layanan Taaruf Online Indonesia Untuk Persiapan Pernikahan Perspektif Fikih Keluarga Progresif.”
Waruwu, Enzolina Kristiani. 2025. “Pemanfaatan OJK SLIK (Sistem Layanan Informasi Keuangan) Dalam Pemberian Kredit Pada PT. Bank Sumut KCP Sei Sikambing Medan.”
Widiastuti, Ika, and Pandu Adi Cakranegara. 2022. “Analisa Tren Untuk Memprediksi Perubahan Kriteria Keunagan Pada Indeks Shariah.” Aksara: Jurnal Ilmu Pendidikan Nonformal 8(1):461–70.
Yunos, Mohamad Yazid B. I. N. 2024. “Pengembangan Konsep Pendidikan Pra-Nikah Di Singapura Dalam Mengatasi Problematika Rumah Tangga Muslim Milenial.”
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Risma Dwi Cahya, Erina Pane, Dharmayani Dharmayani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors retain copyright and grant the Jurnal Mahkamah : Kajian Ilmu Hukum Dan Hukum Islam right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgment of the work's authorship and initial publication in Jurnal Mahkamah : Kajian Ilmu Hukum Dan Hukum Islam.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in Jurnal Mahkamah : Kajian Ilmu Hukum Dan Hukum Islam.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
