Pinjaman Online : Sebuah Respon Hukum Islam dan Hukum Positif
DOI:
https://doi.org/10.59966/ekalaya.v2i1.811Keywords:
Illegal Online Loans, Islamic Law, Positive Law.Abstract
This digital lifestyle trend has apparently spread to economic problems. The economic needs of society from conventional ones have shifted to utilizing financial technology, especially for generation Z people. Currently, the need to borrow funds is mostly done through fintech platforms which have spread widely in society. Finally, various companies that provide online loan financial services have also spread recently. The aim of this research is to examine the perspective of Islamic law and positive law on illegal online loans as well as legal protection for illegal online loan (Pinjol) users. The method used is a literature method with a normative approach which refers to statutory regulations which examine the rules and regulations related to the legal issue being handled. The results show that illegal online loans from the perspective of Islamic law are invalid. Meanwhile, in positive legal terms in civil law, illegal online lending is a transaction that does not meet the legal requirements of an agreement. In criminal law policy, to date there are no provisions in criminal law involving illegal lending services. As a form of protection for consumers, education and outreach to the public is needed, with the aim of more people understanding about current financial services.
References
Arifin, A. (2023). Fatwa DSN-MUI No. 04/DSN-MUI/IV/2000 tentang Murabahah: Refleksi Kritis terhadap Implementasi BSI Dimensi Ekonomi Islam. BALANCA: Jurnal Ekonomi dan Bisnis Islam, 5(1), 1-11.
Arifin, A., Lutfi, M., & Sapa, N. B. (2022). Riba Dan Bunga Perspektif Ekonomi Syariah. Moneta: Jurnal Manajemen & Keuangan Syariah, 1(2), 23-30.
Asosiasi Penyelenggara Jasa Internet Indonesia(APJII), “Dibalik Tren Edge Data Center Di Indonesia”. Jakarta: Buletin APJII, 2021
Astri Rumodang, Fintech: Inovasi Sistem Keuangan di Era Digital, 2019
Awaluddin, M., Tawwab, M. A., Amiruddin, K., & Arifin, A. (2023). Esensi Ilmu dalam Filsafat Ekono Esensi Ilmu dalam Filsafat Ekonomi Islam. EKALAYA: Jurnal Ekonomi Akuntansi, 1(1), 83-92.
Budiono, I. N., Arifin, A., & Harfiana, F. (2023). Meningkatkan Literasi Keuangan Syariah Melalui Pelatihan Sistem Operasional Perbankan Syariah Bagi Guru dan Siswa UPTD Sman 5 Parepare. Makkareso: Riset Pengabdian Masyarakat, 1(2), 11-21.
Chrismantianto Wulanta Adhitya Immanuel, Jurnal Analisis SWOT Implementasi Teknologi Finansial Terhadap Kualitas Layanan Perbankan di Indonesia, Tangerang, Universitas Pelita Harapan Tangerang, 2017
CNN Indonesia, Stress Diteror Pinjol, Ibu di Wonogiri Bunuh Diri, Wonogiri: CNN Indonesia, 2021
DSN-MUI, Dewan syariah Nasiona l- Majelis Ulama Indonesia, 2013
Fiansyah Rahmat, LBH: Regulator Harus Ikut Tanggungjawab Soal Pinjaman online secara illegal, Jakarta: iNews.id, 2019
Hamka, H., Siradjuddin, S., Efendi, A., & Arifin, A. (2024). Edukasi dan Promosi Produk Halal (Kajian Literatur). Journal of Islamic Economic and Law (JIEL), 1(1), 27-34.
Mushlihin, I. A, Pemikiran Ahmad Hassan tentang Riba, 2004
Mustofa Imam, Fiqih Muamalah Kontemporer, Jakarta: PT. Raja Grafindo Persada, 2016 Otoritas Jasa Keuangan, “Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016
Rahmat Fiansyah, “LBH: Regulator Harus Ikut Tanggungjawab Soal Pinjaman online secara illegal”, 2019
Rumokoy Albert Donald, Pengantar Ilmu Hukum, Jakarta: Raja Grafindo Persada, 2017
tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi”, Jakarta: Otoritas Jasa Keuangan, 2016
