KEABSAHAN UANG ELEKTRONIK (E-MONEY) PERSPEKTIF QAWA’ID FIQHIYAH: SEBUAH TINJAUAN EMPIRIS TERHADAP KRITIK UANG ELEKTRONIK
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Abstract
Abstract
The emergence of transaction media such as electronic money provides many benefits for the public in transacting. However, in the law of its use, electronic money reaps a lot of controversy between whether it is legal or not according to Islamic law. This paper aims to review the validity of electronic money based on fiqh principles. The method used is descriptive qualitative through a literature survey. The results of this study indicate that electronic money is generally legal based on fiqh rules. The many benefits provided by electronic money make it easier for people to make transactions so that it provides benefits for its users. Nevertheless, there are several aspects that must be considered so that in the application of electronic money so as not to run away from the principles and rules of fiqh that have been set. Several principles that must be applied in transactions using electronic money are to avoid maysir and in its use it does not encourage isyraf and is not used to make transactions for illegitimate objects.
Abstrak
Kemunculan media transaksi seperti uang elektronik memberikan banyak manfaat bagi masyarakat dalam bertransaksi.Namun dalam hukum penggunaannya, uang elektronik menuai banyak kontroversi antara sah atau tidaknya menurut hukum Islam.Penelitian ini bertujuan untuk meninjau ulang keabsahan uang elektronik berdasarkan kaidah-kaidah fikih. Metode yang digunakan ialah kualitatif deskriptif melalui survey literature. Hasil dari penelitian ini menunjukkan bahwa uang elektronik secara umum hukumnya boleh berdasarkan kaidah-kaidah fikih. Banyaknya manfaat yang diberikan oleh uang elektronik menjadikan masyarakat lebih mudah dalam melakukan transaksi sehingga memberikan kemashlahatan bagi penggunanya. Meskipun demikian terdapat beberapa aspek yang tetap harus diperhatikan agar dalam penerapannya uang elektronik agar tidak lari dari prinsip-prinsip maupun kaidah-kaidah fikih yang telah ditetapkan. Beberapa prinsip yang harus diditerapkan dalam transaksi menggunakan uang elektronik yaitu terhindar dari maysir serta dalam penggunaannya tidak mendorong isyraf dan tidak digunakan untuk melakukan transaksi objek yang haram
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