ANALYSIS OF IJTIHAD METHOD AND ISTINBATH JURISPRUDENCE IN FATWĀ DEWAN SYARIAH WAHDAH ISLAMIYAH REGARDING THE USE OF ONLINE PAYMENT

Azwar Iskandar, Muhammad Yusram, Aswanto Muhammad Takwi Hede

Abstract


 

This study aimed to: (1) recognize the reason behind the fatwa of Sharia Council of Wahdah Islamiyah on the law of the use of GoPay and the like; (2) identify the method of ijtihad implemented by Sharia Council of Wahdah Islamiyah in issuing their fatwas; and (3) analyze the method of istinbath for the fatwa of Sharia Council of Wahdah Islamiyah on the law of the use of GoPay and the like. The research method used was descriptive-qualitative field research with a qualitative-descriptive approach with content analysis techniques approach, library research, and normative (juridical normative). The results show that Sharia Council of Wahdah Islamiyah issued a fatwa owing to the need of community, specifically cadres and followers of Wahdah Islamiyah in Indonesia. In their method of ijtihad, Sharia Council of Wahdah Islamiyah consider that the Koran, Sunnah, consensus, and qiyas are propositions agreed upon by the scholars of ahlussunnah wal jamaah. Each fatwa issued by Sharia Council of Wahdah Islamiyah is collective fatwa through a deliberation process in a closed meeting of the board. Sharia Council of Wahdah Islamiyah issued that the basic law of the use of GoPay and similar payment is permissible on condition that it fulfills the rules of the sharf (exchange of money), in which discounts obtained through GoPay payments and the like are considered athaya (gifts) which are permitted and are not considered benefit of receivables (usury).


Keywords


Gopay; Council; Syariah; Wahdah; Islamiyah;

Full Text:

PDF

References


Al-Zuhaili, W. (1433 H). Al-Fiqh al-Islami wa Adillatuhu. Dimasq: Dar al-Fikr, h.659.

Apriliana, E. S., & Erawati, D. (2019). Tinjauan Penerapan Fatwa DSN MUI No. 101 Tahun 2016 Tentang Al-Ijarah Al-Maushufah Fi Al-Dzimmah Terhadap Fitur GoPay. At-Taradhi: Jurnal Studi Ekonomi, 10(2), 157-167.

BI (Bank Indonesia). (2009). Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik. Jakarta: BI.

BI (Bank Indonesia). (2016). Peraturan Bank Indonesia Nomor 18/40/PBI/2016 tentang Penyelenggaraan Pemerosesan Transaksi Pembayaran. Jakarta: BI.

BI (Bank Indonesia). (2018). Peraturan Bank Indonesia Nomor 20/06/PBI/2018. Jakarta: BI.

BIS (Bank for International Settlements). (1996). Implications for Central Banks of the Development of Electronic Money . Basel: BIS, 1996).

DF-PAI (Dewan Fatwa Perhimpunan Al-Irsyad). (2018). Fatwa Dewan Fatwa Perhimpunan Al-Irsyad No : 005/DFPA/VI/1439 tentang Haramnya Diskon yang didapatkan dari GoPay dan layanan yang sejenisnya, hal. 2.

DSN-MUI (Dewan Syariah Nasional Majelis Ulama Indonesia). (2016). Fatwa Nomor 102/DSN-MUI/X/2016 tentang akad Al-Ijārah al-Mausufah fi al-Dzimmah Untuk Produk Pembiayaan Pemilikan Rumah (PPR), h.7.

DSWI (Dewan Syariah Wahdah Islamiyah). (2018a). Himpunan Keputusan Dewan Syariah Wahdah Islamiyah, Edisi II. Makassar: Dewan Syariah Wahdah Islamiyah.

DSWI (Dewan Syariah Wahdah Islamiyah). (2018b). Surat Keputusan Dewan Syariah Wahdah Islamiyah Nomor: D.021/QR/DSA-WI/VII/1440 tentang Hukum GoPay dan Sejenisnya.

DSWI (Dewan Syariah Wahdah Islamiyah). (2018c). Resume Liqa’ Ilmi 19 Dewan Syariah, 2018.

Insley, V., and Nunan, D. (2014). Gamification and the online retail experience. International Journal of Retail & Distribution Management, Vol. 42, Issue 5, (2014), p. 340-351.

Iskandar, A., Aqbar, K. (2019). Reposisi Praktik Ekonomi Islam: Studi Kritis Praktik Ekonomi Islam di Indonesia. NUKHBATUL ’ULUM: Jurnal Bidang Kajian Islam, 5(1), 39-53. https://doi.org/10.36701/nukhbah.v5i1.68.

Komarudin, K. (2019). Studi Analisis Terhadap Pembayaran GoPay Dalam Perspektif Akad Ijarah (Studi di PT. GoJek Cabang Kota Serang). Doctoral Dissertation: UIN SMH Banten.

Nengsih, N. (2019). Analisis Terhadap Fatwa Dewan Syari’ah Nasional Majelis Ulama Indonesia (DSN-MUI) Tentang Uang Elektronik Syariah (Studi Kartu Flazz BCA, GoPay, dan Grab-Pay). Jurisdictie: Jurnal Hukum dan Syariah, Vol. 10, No.1 (2019). p.56-77.

Nofrison, F. (2019). Studi Analisis Terhadap Fatwa Dewan Fatwa Perhimpunan Al-Irsyad No : 005/DFPA/Vi/1439 Tentang Haramnya Diskon yang Didapatkan dari GoPay dan Layanan yang Sejenisnya. Skripsi: Jurusan Hukum Ekonomi Syariah (Muamalah), Fakultas Syari’ah dan Ilmu Hukum, Universitas Islam Negeri Sultan Syarif Kasim Riau.

Ramadhan, I., Herman, S., dan Saputra. R. (2020). Metode Istinbat Dewan Syariah Wahdah Islamiyah dalam Menetapkan Hukum Bpjs Kesehatan Mandiri. BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam, Vol. 1, No. 1 (2020), p. 62-81.

Usman, R. (2017). Karakteristik Uang Elektronik dalam Sistem Pembayaran. Yuridika, Vol. 32 No. 1, p. 134-166.

Wijaya, H. (2018). Takyīf Fiqh Pembayaran Jasa Transportasi Online Menggunakan Uang Elektronik (GoPay dan OVO). NUKHBATUL ’ULUM: Jurnal Bidang Kajian Islam, 4(2), 187-203. https://doi.org/10.36701/nukhbah.v4i2.46.




DOI: http://dx.doi.org/10.30984/tjebi.v5i1.1102

Article Metrics

Abstract view : 723 times
PDF - 787 times

Refbacks

  • There are currently no refbacks.


Tasharruf: Journal Economics and Business of Islam is indexed by:

JURISMA : Jurnal Riset Bisnis & Manajemen
       



       

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

________________________________________________________
Tasharruf: Journal Economics and Bussiness of Islam is published by Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Manado

Jl. Dr. S. H. Sarundajang Kawasan Ring Road I Malendeng Manado, Sulawesi Utara, Indonesia 95128
Email: tasharruf@iain-manado.ac.id

ISSN Print: 2528-0317 ISSN Online: 2528-0325