TELAAH HUKUM EKONOMI SYARIAH TERHADAP SISTEM PEMBAYARAN DIGITAL DALAM LAYANAN OJEK ONLINE DI SITUBONDO
DOI:
https://doi.org/10.30863/alkharaj.v5i1.8983Keywords:
Hukum Ekonomi Syariah, Pembayaran Digital, Ojek Online, Situbondo, Transaksi SyariahAbstract
Abstract      Â
This research aims to analyze the digital payment system in online motorcycle taxi services in Situbondo based on a sharia economic law perspective. The development of digital technology has driven significant changes in transaction systems, including in the transportation sector. Online motorcycle taxi services in Situbondo have adopted many digital payment methods such as electronic wallets (e-wallets) and bank transfers. This research uses a qualitative approach with field study methods and interviews with driver partners, service users and local ulama figures. The research results show that the digital payment system provides convenience and efficiency, but also raises several sharia issues, such as unclear contracts, potential usury in the cashback system, and transaction security. From the perspective of sharia economic law, there are three contracts in the digital payment system, including the ijarah contract, wakalah bil ujrah, qardh or wadiah and can be accepted as long as they fulfill principles such as clarity of contract (valid contract), does not contain usury, gharar (uncertainty), and maisir (speculation). Therefore, it is necessary to strengthen sharia financial literacy and clearer regulations to ensure the conformity of digital services with sharia principles.
Abstrak
Penelitian ini bertujuan untuk menganalisis sistem pembayaran digital dalam layanan ojek online di Situbondo berdasarkan perspektif hukum ekonomi syariah. Perkembangan teknologi digital telah mendorong perubahan signifikan dalam sistem transaksi, termasuk di sektor transportasi. Layanan ojek online di Situbondo telah banyak mengadopsi metode pembayaran digital seperti dompet elektronik (e-wallet) dan transfer bank. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi lapangan dan wawancara terhadap mitra pengemudi, pengguna layanan, serta tokoh ulama setempat. Hasil penelitian menunjukkan bahwa sistem pembayaran digital memberikan kemudahan dan efisiensi, namun juga menimbulkan beberapa isu syariah, seperti ketidakjelasan akad, potensi riba dalam sistem cashback, dan keamanan transaksi. Dalam perspektif hukum ekonomi syariah, sistem pembayaran digital terdapat tiga akad diantaranya akad ijarah, wakalah bil ujrah, qardh atau wadiah dan dapat diterima selama memenuhi prinsip-prinsip seperti kejelasan akad (akad yang sah), tidak mengandung riba, gharar (ketidakpastian), dan maisir (spekulasi). Oleh karena itu, diperlukan penguatan literasi keuangan syariah serta regulasi yang lebih jelas untuk menjamin kesesuaian layanan digital dengan prinsip-prinsip syariah.
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