Layanan Shopee Pinjam Perspektif Fatwa DSN MUI No. 117 Tahun 2018
Article Sidebar
Main Article Content
Abstract
Fatwa DSN-MUI No. 117 of 2018 provides guidelines for financial services based on information technology that must comply with Sharia principles. This fatwa emphasizes that such services must be free from prohibited elements, including riba (interest), gharar (uncertainty), maysir (gambling), tadlis (fraud), dharar (harm), and zhulm (injustice). Additionally, financial services are required to uphold principles of fairness, transparency, and balance in various contracts, such as sales contracts (al-bai'), profit-sharing systems (mudharabah and musyarakah), and benevolent loans (qardh). An analysis of Fatwa DSN-MUI No. 117 of 2018 regarding information technology-based financial services reveals that Shopee Pinjam still exhibits several aspects that are not fully aligned with Sharia principles. One major issue identified is the presence of riba in its repayment mechanism, as well as potential injustice in financing agreements that tend to disadvantage users. The fatwa asserts that all technology-based services must adhere to Sharia principles, including fairness, transparency, and balance, which Shopee Pinjam has not yet fully implemented. This research highlights the importance of applying contracts that align with Sharia principles and utilizing supportive infrastructure to ensure that fintech services comply with Islamic norms.
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Sutedi, A. (2014). Aspek hukum Otoritas Jasa Keuangan. Jakarta: Raih Asa Sukses.
Yudiviantho, A. (2020). Strategi pendanaan. Jakarta: Universitas Indonesia.
Mayangsari, A. C. (2024). Tanggung jawab hukum dalam keterlambatan pembayaran pinjaman online sistem revolving. Pekalongan: PT Nasya Expanding Management.
Gunawan, D. (2022). Keputusan pembelian konsumen marketplace Shopee berbasis social media marketing. Padang: PT Inovasi Pratama Internasional.
Wangsawidjaja, A. (2013). Pembiayaan bank syariah. Jakarta: Gramedia Pustaka Utama.
Sunardi, D. (2021). Hukum perbankan dan perbankan syariah. Banjarsari: A-Empat.
Qur’Aini, D. A. (2020). Pemberian kredit berbasis teknologi informasi oleh fintech kepada pelaku UKM berdasarkan Peraturan Otoritas Jasa Keuangan No. 77/POJK.01/2016. Dinamika Jurnal Ilmiah Ilmu Hukum, 26(1), 1-10.
Fauziah. (2020). Strategi komunikasi bisnis online shop “Shopee” dalam meningkatkan penjualan. Jurnal Abiwara, 1(2), 1-12.
Amaludin, I. (2020). Strategi promosi yang diterapkan pada PT Shopee Indonesia. Mini Research Universitas Islam Indonesia.
Istiqamah. (2019). Analisis pinjaman online oleh fintech dalam kajian hukum perdata. Makassar: Universitas Islam Negeri Alauddin Makassar.
Bahsan, M. (2008). Hukum jaminan dan jaminan kredit perbankan Indonesia. Jakarta: Raja Grafindo Persada.
Mardani. (2015). Hukum Islam: Kumpulan peraturan tentang hukum Islam di Indonesia. Jakarta: Kencana.
Kurniawan, M. (2021). Bank & lembaga keuangan syariah (Teori dan aplikasi). Indramayu: CV Adanu Abiimata.
Hutagulung, M. W. R. (2021). Analisis pembiayaan bank syariah. Medan: CV. Merdeka Kreasi Group Penerbit Nasional.
Adam, P. (2018). Fatwa-fatwa ekonomi syariah: Konsep, metodologi, dan implementasinya pada lembaga keuangan syariah. Jakarta Timur: Amzah.
Adam, P. (2022). Fatwa-fatwa ekonomi syariah: Konsep, metodologi, dan implementasinya pada lembaga keuangan syariah. Jakarta: Sinar Grafika Offset.
Pratiwi, P. (2020). Dinamika fatwa Majelis Ulama Indonesia tentang aborsi dan penggunaan vaksin meningitis dalam merespons perubahan sosial. Serang: A-Empat.
Fatimah, S. (2021). Analysis of fintech-based loan services on the loan Shopee features (Spinjam) based on sharia economic law compilation. Idealita, 1(2), 1-10.
Rifa’I, S. D., & Sakinah, H. (2021). Layanan pembiayaan berbasis teknologi informasi berdasarkan prinsip syariah: Tinjauan Fatwa DSN Nomor 117/DSN-MUI/II/2018. Jurnal Studi Islam, 2(1), 1-15.
Febriyanti, W. D. R. (2024). Hukum perbankan dan jaminan. Bali: Intelektual Manifes Media.
Hasan, Z. (2009). Undang-undang perbankan syariah: Titik temu hukum Islam dan hukum nasional. Jakarta: Rajawali Pers.