Consumers Spiritual Rights In Indonesia: A Legal Study Of Sharia Fintech Implementation In The Consumers Protection Perspective
DOI:
https://doi.org/10.29303/ius.v8i3.766Keywords:
Consumer Protection, Spiritual Rights, Sharia Fintech, Indonesia,Abstract
The Industrial Revolution 4.0 provided advances in financial services such as financial technology (fintech) innovations. The fintech concept that adapts to technological developments is expected to facilitate a more practical, secure, and modern financial transaction process, including digital-based financial services that are currently developing around the world. The implementation of fintech in Indonesia is divided into conventional fintech and sharia fintech which provides choices for the public in accessing financial services. The problem comes from the Muslim community who still do not believe in the implementation of the Islamic financial industry especially sharia fintech. The existence of skepticism from the community is the basis of this research. This research uses normative legal research methods to describe and explaining efforts to implement sharia fintech in protecting the consumers, especially the protection of “spiritual rightsâ€. This protection can be pursued through the spread of sharia principles in which sharia fintech financing services do not contain usury, uncertainty (ghoror), speculation (masyir), hiding damage (tadlis), harming other parties (dharar), and avoiding illegal matters (haram). Then the implementation of sharia fintech in protecting the customer's spiritual rights can also be pursued by applying financing arrangements that have been regulated by applicable regulations and by Fatwa DSN-MUI, such as contract/akad al-bai', akad ijarah, akad mudharabah, akad musyarakah, akad wakalah bi al ujrah, and akad qardh.
Downloads
References
Aditya, Z.F., and Al-Fatih, S. (2019). Analisis Yuridis Kedudukan Hukum Lembaga Pemberi Fatwa Halal Di Beberapa Negara, Jurnal Wacana Hukum, Vol.25 No.1, 68–79.
Alamanda, A. E., and Sartono, T. (2019). Implementation of Brizzi as an E-Money Payment Tools in Indonesia, Jurnal Hukum Novelty, Vol.10 No.2, 130–139.
Alwi, A. B. (2018). Pembiayaan Berbasis Teknologi Informasi (Fintech) Yang Berdasarkan Syariah, Al-Qanun: Jurnal Pemikiran Dan Pembaharuan Hukum Islam, Vol.21 No.2, 255–271.
Attamimi, Z. F., Disemadi, H.S, and Santoso, B. (2019). Prinsip Syariah Dalam Penyelenggaraan Bank Wakaf Mikro Sebagai Perlindungan Hak Spiritual Nasabah, Jurnal Jurisprudence, Vol.9 No.2, 117–132.
Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia, TAWAZUN: Journal of Sharia Economic Law, Vol.1 No. 2. 116–132.
Balqis, W. G, and Sartono, T. (2019). Bank Wakaf Mikro Sebagai Sarana Pemberdayaan Pada Usaha Mikro, Kecil Dan Menengah, JURISDICTIE, Vol.10 No. 2, 215–231.
Benuf, K., Mahmudah, S., and Priyono, E.A. (2019). Perlindungan Hukum Terhadap Keamanan Data Konsumen Financial Technology Di Indonesia, Refleksi Hukum: Jurnal Ilmu Hukum, Vol.3 No.2, 145–160.
Benuf, K., Njatrijani, R., and Priyono, E.A. (2020). Pengaturan Dan Pengawasan Bisnis Financial Technology Di Indonesia, Dialogia Iuridica: Jurnal Hukum Bisnis Dan Investasi, Vol.11 No.2, 46–69.
Bower, J.L., and Christensen, C.M. (1995). Disruptive Technologies: Catching The Wave, Harvard Business Review, Vol.73 No.1, 43–53.
Budiharto, S.N.L., and Hartanto, G. (2019). The Legal Protection Of Lenders In Peer To Peer Lending System, Law Reform, Vol.15 No.2, 275–289.
Disemadi, H.S., and Prananingtyas, P. (2019). Perlindungan Hukum Terhadap Nasabah Perbankan Pengguna CRM (Cash Recycling Machine), Jurnal Magister Hukum Udayana (Udayana Master Law Journal), Vol.8 No.3, 286–402.
Hariyani, I. (2017). Perlindungan Hukum Dan Penyelesaian Sengketa Bisnis Jasa PM-Tekfin, Jurnal Legislasi Indonesia, Vol.14 No.3, 345–358.
Hiyanti, H., Nugroho, L., Sukmadilaga, C., and Fitrijanti, T. (2020). Peluang Dan Tantangan Fintech (Financial Technology) Syariah Di Indonesia, Jurnal Ilmiah Ekonomi Islam, Vol.5 No.3, 326–333.
Husna, N.F., and Tejomurti, K. (2020). Urgensi Penerapan Regulatory Sandbox Oleh Otoritas Jasa Keuangan Sebagai Upaya Perlindungan Hukum Bagi Pemodal Equity Crowdfunding, Jurnal De Jure, Vol.12 No.1, 54–65.
Nafiah, R., and Faih, A. (2019). Analisis Transaksi Financial Technology (Fintech) Syariah Dalam Perspektif Maqashid Syariah, IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah, Vol.6 No.2, 167–175.
Nugraheni, N., and Aziza, Q.A. (2020). The Existence Of Collateral In Credit Through Peer-To-Peer Lending Services, Yustisia Jurnal Hukum, Vol.9 No.1, 98–115.
Nugroho, H. (2020). Perlindungan Hukum Bagi Para Pihak Dalam Transaksi Pinjaman Online, JUSTITIA: Jurnal Ilmu Hukum Dan Humaniora, Vol.7 No.2, 328–334.
Otoritas Jasa Keuangan. (2020). Siaran Pers: Awal Tahun Satgas Temukan 120 Fintech Peer-To-Peer Lending Dan 28 Entitas Penawaran Investasi Tanpa Izin, <https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Awal-Tahun-Satgas-Temukan-120-Fintech-Peer-To-Peer-Lending-dan-28-Entitas-Penawaran-Investasi-Tanpa-Izin.aspx> Accessed 15 April 2020.
Otoritas Jas Keuangan. (2020). Statistik Fintech Lending Periode Desember 2019, <https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Desember-2019.aspx> Accessed 10 April 2020.
Pranoto, M.K., and Tejomurti, K. (2019). Fintech Lending: Challenge And Opportunities Of The Indonesia’s Loan Unbanked To Develop The Inclusive Financial Industry, Hang Tuah Law Journal, Vol.3 No.2, 105–119.
Qatrunnada, N., and Marzuki, I. (2019). Analisis Akad Murabahah Dan Wakalah Bil Ujrah Pada Pembiayaan Berbasis Teknologi Informasi (Fintech) (Studi Kasus Di PT. Dana Syariah Indonesia), Al-Mizan: Jurnal Hukum Dan Ekonomi Islam, Vol.3 No.2, 54–73.
Saputra, A.S. (2019). Peer To Peer Lending Di Indonesia Dan Beberapa Permasalahannya, Veritas et Justitia, Vol.5 No.1, 238–261.
Setyowati, R. (2016). Perlindungan 'Hak Spiritual' Dalam Penyelesaian Sengketa Perbankan Syariah: Praktik Di Malaysia Dan Indonesia, Share: Jurnal Ekonomi Dan Keuangan Islam, Vol.5 No.2, 124–154.
Setyowati, R., Abubakar, L., and Rodliah, N. (2017). Sharia Governance On Islamic Banking: Spiritual Rights Perspective On Consumer Protection In Indonesia, Diponegoro Law Review, Vol.2 No.1 (2017), 227–244.
Setyowati, R., Purbasari, I., and Fauzan, E.M. (2018). Consumers Spiritual Rights in the Islamic Banking Dispute Out of Court Settlement, Journal of Social Studies Education Research, Vol.9 No.2, 334–351.
Sulistiani, S.L. (2019). Aspek Hukum Fintech Syariah Untuk Peningkatan Findrising Wakaf Uang Di Indonesia, Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan, Ekonomi Islam, Vol.11 No.1, 99–120.
Tsuroyya, D., and Muzayyanah. (2019). Analisis Pelaksanaan Musyarakah Pada Layanan Financial Technology Peer To Peer Lending Syariah Di Indonesia (Studi PT Syarfi Teknologi Indonesia), Al-Mizan: Jurnal Hukum Dan Ekonomi Islam, Vol.3 No.2, 32–53.
Usanti, T.P., Thalib, P. and Setiawati, N.U. (2020). Sharia Principles on Information Technology-Based Financing Services, Yuridika, Vol.35 No.1, 153–170.
Valensia, and Sartono, T. (2020). Product Standardization Through “Sni†As A Form Of Consumer Protection In Indonesia, Legality: Jurnal Ilmiah Hukum, Vol.28 No.2, 1-10.
Wahyuni, R.A.E. (2019). Perkembangan Ekonomi Islam Di Indonesia Melalui Penyelenggaraan Fintech Syariah, Mahkamah: Jurnal Kajian Hukum Islam, Vol.4 No.2, 184–192.
Wahyuni, R.A.E. (2020). Strategy Of Illegal Technology Financial Management In Form Of Online Loans, JURNAL HUKUM PRASADA, Vol.7 No.1, 27–33.
Yarli, D. (2018). Analisis Akad Tijarah Pada Transaksi Fintech Syariah Dengan Pendekatan Maqhasid, YUDISIA: Jurnal Pemikiran Hukum Dan Hukum Islam, Vol.9 No.2, 245–256.
Downloads
Published
How to Cite
Issue
Section
License
The authors hold the copyright. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal. How ever the author should affirming that the article is their original work should accompany the article via online submission form. Authors are permitted to share a Preprint of their article anywhere at any time. Link Declaration of originality (PDF)
