The DSN-Mui Fatwa Related to Fintech Applications in Islamic Financial Institutions Review

Abstract

– The tendency of society towards halal products is currently increasing, related to objects and muamalah. The development of the fintech applications needs to be tested or detailed again. Apart from examining this legal status, an interesting thing to develop is how to formulate a fintech application in accordance with the Islamic economic viewpoint. Therefore it is very necessary to always review the DSN-MUI fatwa regarding fintech applications in Islamic financial institutions. The results of this study will be an input for the DSN-MUI to formulate policies and fatwas. This research is a qualitative type. Through qualitative research, it is expected to be able to see phenomena more broadly and deeply in accordance with what is happening and developing in the social situation under study. The research subjects in this study are: (1) Sharia Card, (2) Sharia Charge Card, (3) Transfer and Collection, (4) Payment Services, and (5) Sharia Electronic Money. The results of this study indicate that: (1) the sharia card product is more appropriate to use the hawalah contract compared to the kafalah contract, and it is necessary to fix overdue fines, montly fees that are not related to debt, and remove merchant fees; (2) Sharia Charge Card products should use a hawalah contract rather than a kafalah contract and need to eliminate overdue fines; (3) the use of the wakalah contract on transfer and collection products is correct; (4) payment service products that use a wakalah and ijarah contract should only use one of them; and (5) electronic money can function like money, and there is no gharar case in this electronic money, and allows administration money and card making, and the transactions uses the hawalah principle. So, five improvements are proposed to the DSN-MUI fatwas related to fintech applications.

Analisis Hiwalah (Pengalihan Hutang) Dalam Penebusan Pagang Gadai Di Masyarakat Minangkabau

“…(tidak diketahui waktunya sampai kapan). (Zhang, 2013) (Ruchhima & Lahuri, 2019) (yang merupakan tindakan yang dilakukan oleh debitur dalam usahanya mengalihkan atau mentrasfer (Nurlaela, 2020) kewajiban pembayaran utang (Habibi & Rusgianto, 2021) kepada orang yang direkomendasikan (Shahzad et al, 2019) Dalam aspek ekonomi Islam, pengalihan utang mirip dengan al-kafalah (tanggungan) karena kedua metode itu merupakan fasilitas untuk membayar atau mempertanggung jawabkan tanggungan yang diamanahkan kepadanya (Saad & Syed Jaafar Alhabshi, 2019) Dan Islam melegitimasi akad ini karena berfungsi untuk mengurangi kesulitan serta mendatangankan kemudahan serta kemashlatahan dari sisi ekonomi manusia (Mustofa & Sari, 2021) Menurut M. Hadhry Nur, ada beberapa faktor yang menyebabkan seseorang mengalihkan utangnya, diantara sebagai berikut:…”