| dc.contributor |
Fakultas Syariah |
|
| dc.creator |
Hikmah, Nur |
|
| dc.creator |
Malik, Zaini Abdul |
|
| dc.creator |
Irwansyah, Shindu |
|
| dc.date |
2020-08-25 |
|
| dc.date.accessioned |
2021-03-15T03:16:07Z |
|
| dc.date.available |
2021-03-15T03:16:07Z |
|
| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/24338 |
|
| dc.identifier |
10.29313/syariah.v6i2.24338 |
|
| dc.identifier.uri |
http://hdl.handle.net/123456789/28093 |
|
| dc.description |
Abstract. The development of information and communication technology has penetrated into various aspects of life in this digital age, one of which is the application of information technology in the financial sector. In the era of digital economic development, people are required to continue to develop various innovations. One of the innovations is the existence of information technology based loan and loan service providers, of course this is considered to have contributed to the development and national economy. In addition, with this Peer To Peer Lending-based fintech service platform, the public is made easy to conduct loan and loan transactions online without having to meet face to face. But behind the convenience of online transactions, people feel the doubt about making online borrowing and borrowing transactions whether they are truly free from Riba 'or not. Does the concept of fintech business activities in terms of legal provisions, legal subjects, provisions or guidelines, service models, provisions related to the mechanism and contract whether it is in accordance with the regulations contained in Fatwa No.117 / DSN-MUI / II / 2018 concerning “Information Technology Based Financing Services Based on Sharia Principles” The method used is a qualitative method with a descriptive approach. Data collection is done by interview, observation and documentation. The results of the study that: First, the existence of business actors who carry out business activities in the fintech field needs the existence of regulations in the business activities conducted. Because regulations are very important for business operators Institutions based on technology that are useful as a reference in the implementation of fintech business activities and in addition it is also needed so that the implementation can be in accordance with existing supervision. Second, the implementation of financing companies that provide financial services do not participate directly in lending and borrowing activities. However, it only provida platform or means to bring together financing providers and financing recipients in the context of entering into a financing agreement (Qard and Wak-bil-ujrah) through an electronic system using the internet network. Third, the Fatwa Review of DSN No.117 / DSN-MUI / II / 2018 of PT. Alami Fintek Sharia as a whole was appropriate, but there were only a few that were not. Keywords : Fatwa DSN, Fintech, PT. Alami Fintek Sharia Abstrak. Semakin berkembangnya teknologi informasi dan komunikasi telah merambah ke berbagai aspek kehidupan di era digital ini, salah satunya adalah penerapan teknologi informasi dibidang keuangan. Pada era perkembangan ekonomi secara digital, masyarakat dituntut untuk terus mengembangkan berbagai inovasi. Salah satu inovasi tersebut adanya penyedia layanan jasa pinjam meminjam uang berbasis teknologi informasi, tentunya hal ini dinilai turut berkontribusi terhadap pembangunan dan perekonomian nasional. Selain itu, dengan adanya platform layanan fintechberbasis Peer To Peer Lending ini, masyarakat dipermudah dalam melakukan transaksi pinjam meminjam secara online tanpa perlu bertatap muka. Namun dibalik kemudahan transaksi secara online tersebut, masyarakat merasakan adanya keragu-raguan untuk melakukan transaksi pinjam meminjam secara online ini apakah benar-benar terbebas dari Riba’ atau tidak. Apakah didalam konsep kegiatan usaha fintech tersebut dari segi ketentuan hukum, subyek hukum, ketentuan atau pedoman, model layanannya, ketentuan terkait mekanisme dan akad apakah sudah sesuai dengan peraturan yang sudah tertuang dalam Fatwa No.117/DSN-MUI/II/2018 tentang “Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah”. Metode yang digunakan adalah metode kualitatif dengan pendekatan deskriptif. Pengumpulan data dilakukan dengan wawancara,observasi dan dokumentasi. Hasil penelitian bahwa : Pertama, Adanya pelaku usaha yang melakukan kegiatan usaha di bidang fintech perlu adanya peraturan dalam kegiatan usaha yang dilakukan. Karena peraturan sangat penting bagi pelaku usaha Lembaga Lembaga keuangan berbasis teknologi yang berguna sebagai acuan dalam pelaksanaan kegiatan usaha fintech dan selain itu juga diperlukan supaya pada pelaksanaannya bisa sesuai dengan pengawasan yang ada. Kedua,Pada pelaksanaan pembiayaan perusahaan penyelenggara jasa keuangan tidak perpartisipasi langsung dalam aktivitas pinjam meminjam. ketiga, praktik fintech hanya menyediakan platfrom atau sarana untuk mempertemukan antara pemberi pembiayaan dan penerima pembiayaan dalam rangka melakukan akad pembiayaan (Qard dan wakalah bil-ujrah) melalui sistem elektronik dengan menggunakan jaringan internet. Ketiga, Tinjauan Fatwa DSN No.117/DSN-MUI/II/2018 terhadap PT.Alami Fintek Sharia secara keseluruhan sudah sesuai hanya saja ada beberapa yang tidak sesuai.Kata kunci : Fatwa DSN, Fintech, PT. Alami Fintek Sharia |
|
| dc.format |
application/pdf |
|
| dc.language |
eng |
|
| dc.publisher |
Universitas Islam Bandung |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/24338/pdf |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/downloadSuppFile/24338/4626 |
|
| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/downloadSuppFile/24338/4633 |
|
| dc.rights |
Copyright (c) 2020 Prosiding Hukum Ekonomi Syariah |
|
| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 6, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2020); 660-663 |
|
| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 6, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2020); 660-663 |
|
| dc.source |
2460-2159 |
|
| dc.source |
10.29313/syariah.v6i2 |
|
| dc.subject |
Hukum Ekonomi Syariah |
|
| dc.subject |
Fatwa DSN, Fintech, PT. Alami Fintek Sharia |
|
| dc.title |
Tinjauan Fatwa DSN No.117/DSN-MUI/II/2018 tentang Layanan Fintech Berdasarkan Prinsip Syariah terhadap Layanan Pinjaman Online di PT Alami Fintek Sharia |
|
| dc.type |
info:eu-repo/semantics/article |
|
| dc.type |
info:eu-repo/semantics/publishedVersion |
|
| dc.type |
Peer-reviewed Article |
|
| dc.type |
Kualitatif |
|