Pinjaman Online, Pilihan atau Ancaman : Tinjauan Hukum Syariah

Indonesian Version

  • Bella Jastacia Atta University of Muhammadiyah Prof Dr Hamka
  • Arel Raghib Najmuddin Arel University of Muhammadiyah Purwokerto
https://doi.org/10.55577/jhei.v6i2.106
Abstract views: 7 , PDF downloads: 5
Keywords: Pinjaman Online, Hukum Syariah, Kejahatan Internet

Abstract

The prevalence of online crime is augmented by the ease with which criminals can obtain funds online or via the internet. This is supported by the rise of online loans in the fintech industry of Indonesia. Illegal online loans are a major contributor to this issue. This study aims to provide an overview of the implementation of online lending and borrowing services so that individuals can choose between opportunities (positive) and risks (negative) (negative). In accordance with article 1 paragraph 3 of POJK 77 of 2016 and DSN MUI fatwa number 117/DSN-MUI/II/2018, the method is carried out using an empirical juridical approach, as well as other legal reviews. It is hoped that this research will inform the public of the rules and risks associated with online borrowing.

Abstrak
Kemudahan akses pembiayaan melalui online atau internet memunculkan kecenderungan kejahatan di internet. hal ini didukung dengan maraknya pinjaman online di industri fintech indonesia. Pinjaman online ilegal salah satu menjadi salah satu faktor utama dalam permasalahan ini. Penelitian ini bertujuan untuk memberikan gambaran mengenai penyelenggaraan layanan pinjam-meminjam yang dilakukan secara online. sehingga masyarakat dapat memilah-memilih antara pilihan (positif) dan ancaman (negatif). Metode dilakukan dengan pendekatan yuridis empiris pada pasal 1 ayat 3 POJK 77 tahun 2016, DSN MUI mengeluarkan fatwa terbaru Nomor 117/ DSN-MUI/II/ 2018, dan tinjauan hukum lainnya. Dengan adanya penelitian ini diharapkan masyarakat mengetahui peraturan dan risikonya terkait pinjam-meminjam secara online.

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References

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Published
2025-07-25
How to Cite
Atta, B. J., & Arel, A. R. N. (2025). Pinjaman Online, Pilihan atau Ancaman : Tinjauan Hukum Syariah: Indonesian Version . Jurnal Hukum Ekonomi Islam, 6(2), 148-154. https://doi.org/10.55577/jhei.v6i2.106
Issue
Vol. 6 No. 2 (2022): Jurnal Hukum Ekonomi Islam (JHEI)
Section
Articles

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