Akad Qard Pada E-Wallet Syariah
(Studi Kasus Layanan Syariah LinkAja PT FINARYA)
Abstract
LinkAja Syariah is an additional service from LinkAja published by PT FINARYA which applies sharia principles. In previous research, LinkAja Syariah was one of the first e-wallets in Indonesia that had received permission from DSN-MUI to carry out sharia-based electronic money activities. However, in its implementation it has not fully implemented sharia principles and dispute resolution that occurs is still through the Indonesian National Arbitration Board (BANI). Therefore, it is necessary to carry out further research to ensure that all transaction activities are in accordance with the DSN-MUI fatwa. The research method used is a qualitative method using library research and focused interviews. The research results show; First, the implementation of the qardh contract only occurs between LinkAja Syariah users and FINARYA as the issuer. When the user (muqridh) hands over some of his assets to FINARYA, that is where the qardh contract occurs. Second, the implementation of sharia principles is in accordance with the provisions of DSN-MUI fatwa no. 116/DSN-MUI/IX/2017 Concerning Electronic Money.
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