Analisis Akad Peminjaman Uang Melalui Aplikasi Pinjaman Adakami dalam Perspektif Ekonomi Islam

Radya Cantika Suhardiman Putri; Madian Muhammad Muchlis

doi:10.54443/sinomika.v2i6.1776

Authors

Radya Cantika Suhardiman Putri Universitas Al Azhar Indonesia
Madian Muhammad Muchlis Universitas Islam Jakarta, Indonesia

DOI:

https://doi.org/10.54443/sinomika.v2i6.1776

Keywords:

online loan, Adakami, Islamic Economics, riba

Abstract

Abstract
This research examines the Islamic Economics perspective on online loans, primarily through the Adakami application. This study aims to reveal Islamic views on online loans, understand the money lending system on the Adakami application, and determine whether Adakami online loans comply with Islamic law. This examination uses a qualitative descriptive methodology. The data was from scientific articles and news about online lending law in Islam and the Adakami platform. The findings of this research reveal that Muslims are allowed to borrow online but must follow established Sharia principles. The principles that must be taken into account include that the borrower is due, the loan item is an item that can be counted, the loan item can be used per Sharia, there is a handover process (ijab-kabul), and there are no additional benefits for any party. The Adakami platform violates one of the existing Sharia laws: taking advantage of the lending party (riba) by charging interest on loans. Therefore, online borrowing using the Adakami application is not allowed in Islam.

Downloads

Download data is not yet available.

References

Adakami. 2023. “Tentang AdaKami.” Adakami. 2023. https://wwwssr.adakami.id/about.

Amelia, Amy, Dela Arwanda, Rama Rama, and Ani Nur Aeni. 2023. “Panduan Dan Aturan Pinjaman Online Bagi Masyarakat Dalam Persepektif Islam.” Jurnal Locus: Penelitian Dan Pengabdian 2 (10): 1033–42. https://doi.org/10.58344/locus.v2i10.12.

Amiral. 2017. “PERBANDINGAN EKONOMI KONVENSIONAL.” Turãst: Jurnal Penelitian Dan Pengabdian 5 (2).

Anggraeni, Rika. 2023. “AdaKami No 3 Penyalur Pinjol Di Indonesia, Di Bawah SPinjam Shopee.” Bisnis.Com. November 20, 2023. https://finansial.bisnis.com/read/20231120/563/1716186/adakami-no-3-penyalur-pinjol-di-indonesia-di-bawah-spinjam-shopee.

Annur, Cindy Mutia. 2023. “Penyaluran Pinjaman Online Meningkat Pada Agustus 2023.” Databoks. October 17, 2023. https://databoks.katadata.co.id/datapublish/2023/10/17/penyaluran-pinjaman-online-meningkat-pada-agustus-2023.

Cahyanti, Irni Sri. 2020. “Sumber Dan Norma Ekonomi Syariah Di Lembaga Keuangan Syariah Bank Dan Non Bank.” Jurnal Shidqia Nusantara 1 (1).

DSN-MUI. 2018. “Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia No: 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah,” 14.

Eva. 2023. “Tabel Pinjaman AdaKami 2023 : Biaya, Bunga, Dan Simulasi.” Tipkerja. 2023. https://www.beben.id/bunga-adakami/.

“FAQ Adakami.” n.d. Adakami. Accessed January 15, 2023. https://www.adakami.id/faq/category/pinjaman.

Habib, Muhammad, Alang Sidek, and Atus Ludin Mubarok. 2019. “Praktik Pinjam Meminjam Uang Dalam Perspektif Hukum Islam; Studi Kasus Bumdes Gotra Sawala Kertaraharja.” Mutawasith: Jurnal Hukum Islam 2 (1).

Harahap, Muhammad Arfan, and Sri Sudiarti. 2022. “Kontrak Jasa Pada Perbankan Syariah: Wakalah, Kafalah Dan Hawalah: Tinjauan Fiqh Muamalah Maliyah.” Reslaj: Religion Education Social Laa Roiba Journal 4 (1): 42–53. https://doi.org/10.47476/reslaj.v4i1.482.

Hasan, Rashedul, Mohammad Kabir Hassan, and Sirajo Aliyu. 2020. “Fintech and Islamic Finance: Literature Review and Research Agenda.” International Journal of Islamic Economics and Finance (IJIEF) 3 (1). https://doi.org/10.18196/ijief.2122.

Lubaba, Abu. 2020. “IMPLEMENTASI AKAD RAHN DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Pegadaian Syariah Cabang Tukmudal-Sumber-Cirebon).” Jurnal Ecopreneur: Jurnal Ekonomi Dan Bisnis Islam 2 (1): 49–58.

Maftuha, Haeruddin, and Lutfika. 2021. “Tradisi Dan Praktik Ekonomi Pada Masa Rasulullah SAW.” WASATHIYAH: Jurnal Studi Keislaman 2 (2).

Mas’Ulah, Isnaini. 2021. “Legalitas Pinjaman Online Dalam Perspektif Hukum Islam.” Jurnal Hukum Ekonomi Islam (JHEI) 5 (2).

Putra, Aldiansyah, and Retnani Latifah. 2022. “Analisis Sentimen Pengguna Twitter Terhadap Aplikasi Pinjaman Online Menggunakan Metode Support Vector Machine.” In Seminar Nasional Penelitian LPPM UMJ. http://jurnal.umj.ac.id/index.php/semnaslit.

Ramli, Muhammad, Mulono Apriyanto, Ali Azhar, Feni Puspitasari, and KMS. Novyar Satriawan Fikri. 2023. “Dampak Konsumen Terhadap Pinjaman Online (PINJOL).” PaKMas: Jurnal Pengabdian Kepada Masyarakat 3 (1): 52–58. https://doi.org/10.54259/pakmas.v3i1.1638.

Santi, Mei. 2019. “Perkembangan Ekonomi Syariah Di Indonesia.” Jurnal Eksyar : Jurnal Ekonomi Syariah 07 (01): 47–56. http://ejournal.staim-tulungagung.ac.id/index.php/.

Sularno, Muhammad, and Muh Asy’ari Akbar. 2023. “Pinjaman Online Dalam Fikih Muamalah: Menganalisis Implikasi Fatwa DSN-MUI No. 117/Dsn-MUI/IX/2018.” Lisyabab : Jurnal Studi Islam Dan Sosial 4 (2): 186–200. https://doi.org/10.58326/jurnallisyabab.v4i2.191.

Surury, Nurul Azizah, and Muhammad Hamdan Ainulyaqin. 2022. “Studi Literatur: Pelaksanaan Audit Syariah Pada Perbankan Syariah.” SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi Dan Akuntansi 1 (4): 737–44. https://doi.org/10.54443/sinomika.v1i4.386.

“Tentang AdaKami.” n.d. Adakami. Accessed January 15, 2023. https://www.adakami.id/about.

Wati, Karlina, Nabila Alifah Putri, and Siti Zulaikha. 2023. “Perkembangan Ekonomi Islam Di Indonesia : Antara Peluang Dan Tantangan.” Journal Islamic Education 1 (4): 168. https://maryamsejahtera.com/index.php/Education/index.