Article Sidebar
Main Article Content
Abstract
This article aims to examine the E-wallet business from the perspective of Islamic Business Ethics. The reality in E-wallet transactions still raises pros and cons in terms of its validity according to the Islamic framework. This study uses a qualitative descriptive method and a phenomenological approach. The tendency of people in the industrial era 4.0 to use digital-based application services requires proper literacy for short and long term goals. The results of this study indicate that various types of E-wallet applications, one of which is Go-Pay, allegedly still contain things that are contrary to Islamic Business Ethics. This can be seen, among other things, in the provision of special discounts or free shipping for Go-Pay application users, as well as the deposition of user balances in conventional banks (ribawi banks). Contemporary scholars who argue that this transaction is permissible argue because the transaction uses a wadi'ah contract and is in the framework of paying ujrah in advance. Whereas the scholars who forbid the transaction argue that the transaction contract is qardh (debt receivable) so that if it brings out benefits in it then it is included in usury. In implementing Islamic business ethics in e-wallet cases, e-wallet users must pay attention to the validity of the contract according to Islam and the purpose of the transaction according to maslahah. As for e-wallet suppliers, they must prioritize aspects of transaction legitimacy, product halalness, honesty, responsibility and trustworthiness.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Ahmad, Shofian & Latif, Amir. (2022). Controvesy Surrounding The Benefits of The E-Wallet Application Software. International Journal of Academic Research In Business And Social Science. 12. (9), 1893-1904. http://dx.doi.org/10.6007/IJARBSS/v12-i914736
Aji C., Justino & Asnawi, Nur. (2021). Memprediksi Niat Perilaku Terhadap E-wallet: Mengintegrasikan Budaya dalam Kerangka UTAUT 2, Jurnal An-Nisbah, 2 (1), 116-136.
Aji, Hendy Mustiko, Berakon, Izra & Husin, MM. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Cogent Business and Management. 7 (1804181), 1-16. https://doi.org/10.1080/23311975.2020.1804181
Aulia, Mahdiah, Yustiardhi AF, & Permatasari R.O. An Overview of Indonesian regulatory framework on Islamic financial technology (fintech). Jurnal Ekonomi dan Keuangan Islam, 6 (1), 64-75. https://doi.org/doi:10.20885/JEKI.vol6.iss1.art7
Aydin, Necati. (2020). Paradigmatic Foundation and Moral Axioms of Ihsan Ethics in Islamic Economics and Business. Emerald: Journal of Islamic Accounting and Business Research, 11 (2), 288-308. http://dx.doi.org/10.1108/JIABR-12-2016-0146
Bakar, NA, Rosbi, S & Uzaki, K. (2020). E-Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Enginering. International Journal of Management Sience and Business Administration. 6 (3), 50-57. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.63.1005
Bank Indonesia. Sistem Pembayaran Uang Elektronik, https://www.bi.go.id/id/statistik
Bella, FI dan Efendi, NF. (2021). Strengthening The Islamic Digital Payment System Through Sharia Electronic Wallet (E-Wallet). EL DINAR: Jurnal Keuangan dan Perbankan Syariah, 9 (2), 94 – 107.
Djakfar, Muhammad. (2012). Etika Bisnis: Menangkap Spirit Ajaran Langit dan Pesan Moral Ajaran Bumi. Jakarta: Penebar Plus.
Djakfar, Muhammad. (2014). Agama, Etika, dan Ekonomi. Malang: UIN-Maliki Press.
Djakfar, Muhammad. (2015). Wacana Teologi Ekonomi Membumikan Titah Langit di Ranah Bisnis dalam Era Globalisasi. Malang: UIN-Maliki Press.
Fitria,TN, Pravasanti, YA & Prastiwi, IE. (2022). Transactions Using E-Wallets: How Is the Perspective of Islamic Economics. Jurnal Ilmiah Ekonomi Islam. 8 (2), 1816-1822. https://doi.org/10.29040/jiei.v8i2.2857
Hamid, Nor ‘Adha Ab, et. al. (2021). Regulatory Framework And Legal Challenges In Digitalization of Islamic Finance. International Journal of Law, Government And Communication, 1 (24), 59-75. https://doi.org/10.35631/IJLGC.624004
Hamid, SA, Othman, A & Hanapi, MS. (2019). Development of Entrepreneurship’s Ethics from Islamic Perspective. International Journal of Academic Research In Business and Social Science, 9(3), 565-571. https://dx.doi.org/10.6007/IJARBSS/v9-i3/5717
Latif, AAA & Ahmad, Sofian. (2022). Kontroversi Manfaat dalam Perisian Aplikasi E-wallet, Bitara International Journal of Civilizational Studies and Human Science. 5 (2), 51-65. http://www.bitarajournal.com
Moleong, Lexy J. (2016). Metode Penelitian Kualitatif, cetakan ke-36. Bandung: PT Remaja Rosdakarya Offset.
Mujahidin. Ali & Astuti, RPF. (2020). Pengaruh Fintech E-wallet Terhadap perilaku konsumtif Pada Generasi Millenial. Jurnal Inovasi Bisnis, (8), 143-150.
Nuha, Ulin, Qomar, MN & Maulana, RA. (2020). Perlukah E-wallet Berbasis Syariah?, Jurnal MALIA: Journal of Islamic Banking and Finance, 4 (1), 59-68.
Nurjannah, Misbach, I & Muin, R. (2021). The Maslahah of Muslim Consumer Behavior in Using E-Wallet In Makassar City. Fitrah Jurnal Kajian Ilmu-Ilmu Keislaman. 7. (1), 1-18. http://jurnal.iain-padangsidimpuan.ac.id/index.php/F
Razali, M, Mohd, Nurul‘aiN, Hadigunawan, N & Saidon, R. (2021). Maqasid Shariah HIFZ MAL in E-Wallet Application Maqasid Shariah HIFZ MAL dalam Aplikasi E-Wallet. Jurnal Islamiyyat. 43 (1), 113-120. https://doi.org/10.17576/islamiyyat-20214301-10
Saputri, AD & Pratama, AR. (2021). Identifying User Characteristics of the Top Three E-Wallet Services in Indonesia. IOP Conf. Series: Materials Science and Engineering, 1077 (012028), 1-10. https://doi.org/doi:10.1088/1757-899X/1077/1/012028
Suryati dan Ika Yoga. (2021). The Influence of Perceived Ease of Use, Trust and Security on Intention to Use E-Wallet. Journal of Management and Islamic Finance. 1 (2), 294-308. https://doi.org/10.22515
Triono, Dwi Condro. (2019). Membangun Bisnis Syariah. Yogyakarta: Daaruts Tsaqofi.
Zulfikar Hasan, Endah Dwi Jayanti, Nur Azlina, Rezki Lestari, dan Muslim. (2022). Prospect of Islamic Electronic Money in Indonesia: Case Study on the LinkAja Application. Jurnal Ekonomi Syariah Indonesia. XII (1), 1-13. http://dx.doi.org/10.21927/jesi.2022.12(1).1-13
Zulkefli, A, Rusmadi, H & Azis, A. (2019). Application of E-Wallet: A Preliminary Analysis from the Shariah Perspective. International Journal of Fiqh and Usul al-Fiqh Studies. 3 (2), 98-105. http://journala.iium.edu.my/al-fiqh
Zulni, DA & Siti Achiria. (2020). Implementation of Islamic Business Ethics In Digital Wallet: Literature Review Approach. EkBis: Jurnal Ekonomi dan Bisnis, 3 (1), 232-241. https:/doi.org/10.14421/EkBis.2019.3.1.1181
References
Ahmad, Shofian & Latif, Amir. (2022). Controvesy Surrounding The Benefits of The E-Wallet Application Software. International Journal of Academic Research In Business And Social Science. 12. (9), 1893-1904. http://dx.doi.org/10.6007/IJARBSS/v12-i914736
Aji C., Justino & Asnawi, Nur. (2021). Memprediksi Niat Perilaku Terhadap E-wallet: Mengintegrasikan Budaya dalam Kerangka UTAUT 2, Jurnal An-Nisbah, 2 (1), 116-136.
Aji, Hendy Mustiko, Berakon, Izra & Husin, MM. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Cogent Business and Management. 7 (1804181), 1-16. https://doi.org/10.1080/23311975.2020.1804181
Aulia, Mahdiah, Yustiardhi AF, & Permatasari R.O. An Overview of Indonesian regulatory framework on Islamic financial technology (fintech). Jurnal Ekonomi dan Keuangan Islam, 6 (1), 64-75. https://doi.org/doi:10.20885/JEKI.vol6.iss1.art7
Aydin, Necati. (2020). Paradigmatic Foundation and Moral Axioms of Ihsan Ethics in Islamic Economics and Business. Emerald: Journal of Islamic Accounting and Business Research, 11 (2), 288-308. http://dx.doi.org/10.1108/JIABR-12-2016-0146
Bakar, NA, Rosbi, S & Uzaki, K. (2020). E-Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Enginering. International Journal of Management Sience and Business Administration. 6 (3), 50-57. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.63.1005
Bank Indonesia. Sistem Pembayaran Uang Elektronik, https://www.bi.go.id/id/statistik
Bella, FI dan Efendi, NF. (2021). Strengthening The Islamic Digital Payment System Through Sharia Electronic Wallet (E-Wallet). EL DINAR: Jurnal Keuangan dan Perbankan Syariah, 9 (2), 94 – 107.
Djakfar, Muhammad. (2012). Etika Bisnis: Menangkap Spirit Ajaran Langit dan Pesan Moral Ajaran Bumi. Jakarta: Penebar Plus.
Djakfar, Muhammad. (2014). Agama, Etika, dan Ekonomi. Malang: UIN-Maliki Press.
Djakfar, Muhammad. (2015). Wacana Teologi Ekonomi Membumikan Titah Langit di Ranah Bisnis dalam Era Globalisasi. Malang: UIN-Maliki Press.
Fitria,TN, Pravasanti, YA & Prastiwi, IE. (2022). Transactions Using E-Wallets: How Is the Perspective of Islamic Economics. Jurnal Ilmiah Ekonomi Islam. 8 (2), 1816-1822. https://doi.org/10.29040/jiei.v8i2.2857
Hamid, Nor ‘Adha Ab, et. al. (2021). Regulatory Framework And Legal Challenges In Digitalization of Islamic Finance. International Journal of Law, Government And Communication, 1 (24), 59-75. https://doi.org/10.35631/IJLGC.624004
Hamid, SA, Othman, A & Hanapi, MS. (2019). Development of Entrepreneurship’s Ethics from Islamic Perspective. International Journal of Academic Research In Business and Social Science, 9(3), 565-571. https://dx.doi.org/10.6007/IJARBSS/v9-i3/5717
Latif, AAA & Ahmad, Sofian. (2022). Kontroversi Manfaat dalam Perisian Aplikasi E-wallet, Bitara International Journal of Civilizational Studies and Human Science. 5 (2), 51-65. http://www.bitarajournal.com
Moleong, Lexy J. (2016). Metode Penelitian Kualitatif, cetakan ke-36. Bandung: PT Remaja Rosdakarya Offset.
Mujahidin. Ali & Astuti, RPF. (2020). Pengaruh Fintech E-wallet Terhadap perilaku konsumtif Pada Generasi Millenial. Jurnal Inovasi Bisnis, (8), 143-150.
Nuha, Ulin, Qomar, MN & Maulana, RA. (2020). Perlukah E-wallet Berbasis Syariah?, Jurnal MALIA: Journal of Islamic Banking and Finance, 4 (1), 59-68.
Nurjannah, Misbach, I & Muin, R. (2021). The Maslahah of Muslim Consumer Behavior in Using E-Wallet In Makassar City. Fitrah Jurnal Kajian Ilmu-Ilmu Keislaman. 7. (1), 1-18. http://jurnal.iain-padangsidimpuan.ac.id/index.php/F
Razali, M, Mohd, Nurul‘aiN, Hadigunawan, N & Saidon, R. (2021). Maqasid Shariah HIFZ MAL in E-Wallet Application Maqasid Shariah HIFZ MAL dalam Aplikasi E-Wallet. Jurnal Islamiyyat. 43 (1), 113-120. https://doi.org/10.17576/islamiyyat-20214301-10
Saputri, AD & Pratama, AR. (2021). Identifying User Characteristics of the Top Three E-Wallet Services in Indonesia. IOP Conf. Series: Materials Science and Engineering, 1077 (012028), 1-10. https://doi.org/doi:10.1088/1757-899X/1077/1/012028
Suryati dan Ika Yoga. (2021). The Influence of Perceived Ease of Use, Trust and Security on Intention to Use E-Wallet. Journal of Management and Islamic Finance. 1 (2), 294-308. https://doi.org/10.22515
Triono, Dwi Condro. (2019). Membangun Bisnis Syariah. Yogyakarta: Daaruts Tsaqofi.
Zulfikar Hasan, Endah Dwi Jayanti, Nur Azlina, Rezki Lestari, dan Muslim. (2022). Prospect of Islamic Electronic Money in Indonesia: Case Study on the LinkAja Application. Jurnal Ekonomi Syariah Indonesia. XII (1), 1-13. http://dx.doi.org/10.21927/jesi.2022.12(1).1-13
Zulkefli, A, Rusmadi, H & Azis, A. (2019). Application of E-Wallet: A Preliminary Analysis from the Shariah Perspective. International Journal of Fiqh and Usul al-Fiqh Studies. 3 (2), 98-105. http://journala.iium.edu.my/al-fiqh
Zulni, DA & Siti Achiria. (2020). Implementation of Islamic Business Ethics In Digital Wallet: Literature Review Approach. EkBis: Jurnal Ekonomi dan Bisnis, 3 (1), 232-241. https:/doi.org/10.14421/EkBis.2019.3.1.1181