Analisis Kesyariahan Kartu Kredit Bank Syariah Indonesia Sebagai Media Transaksi Non Tunai.
DOI:
https://doi.org/10.18592/at-taradhi.v13i2.6640Abstract
The purpose of this study was to determine whether the credit card product issued by Bank Syariah Indonesia, namely the Hasanah Card , was in accordance with and actually implemented the Sharia Card as stipulated in the DSN-MUI fatwa No. 54/DSN-MUI/X/2006. The research method is a qualitative research using a descriptive approach to describe sharia principles in the hasanah card. data were collected by the field research (field research) with primary sources obtained from sources in the form of interviews and observations and library research (library research) with socio legal research. The results of this study are the application of sharia principles to the Hasanah Card product by Bank Syariah Indonesia is still not in accordance with the DSN-MUI Fatwa No. 54 of 2006. This can be seen from the DSN MUI fatwa regarding tadwidh provisions, usage limits to reduce consumptive behavior, and transaction provisions at non-halal merchants that are not yet fully implemented in the hasanah card practice. Tujuan dari penelitian ini adalah untuk mengetahui apakah produk kartu kredit yang dikeluarkan oleh Bank Syariah Indonesia yaitu Hasanah Card sudah sesuai dan benar-benar menerapkan prinsip Syariah Card yang diatur dalam fatwa DSN-MUI No.54/DSN-MUI/X/2006. Metode penelitian adalah penelitian kualitatif dengan menggunakan pendekatan deskriptif untuk menggambarkan prinsip syariah dalam hasanah card. Data dikumpulkan dengan metode field research (penelitian lapangan) dengan pendekatan hukum empiris. Hasil dari penelitian ini yaitu penerapan prinsip-prinsip syariah pada produk Hasanah Card oleh Bank Syariah Indonesia masih kurang sesuai dengan Fatwa DSN-MUI No. 54 Tahun 2006. Hal ini dapat dilihat dari fatwa DSN MUI mengenai ketentuan tadwidhdan ketentuan transaksi pada merchant non halal yang belum sepenuhnya sesuai dipraktikan dalam hasanah card.References
Al-Baqarah 02:278. “Al-Qur’an Surat Al-Baqarah Ayat ke-278.” SINDOnews.com. Diakses 30 Mei 2022. https://kalam.sindonews.com/ayat/278/2/al-baqarah-ayat-278.
Amelia, Ratih, Indrawati Lestari, dan Nasib. Buku Keuangan & Perbankan. 1. Bandung: CV. Sadari, 2019. https://www.researchgate.net/publication/342845801_Buku_Keuangan_Perbankan.
Asosiasi Kartu Kredit Indonesia, AKKI. “Credit Card Growth,” 2022. https://www.akki.or.id/index.php/credit-card-growth.
Firmanda, Hengki. “SYARI’AH CARD (KARTU KREDIT SYARIAH) DITINJAU DARI ASAS UTILITAS DAN MASLAHAH” 4, no. 2 (2014): 36.
Hardiansyah, Imam Wahyu. “Kartu Kredit Syariah: Perspektif Hukum Islam.” AL-Muqayyad 4, no. 1 (30 Juni 2021): 45–52. https://doi.org/10.46963/jam.v4i1.213.
HR. Bukhari :2225. “HR. Bukhari: 2225 - Menunda Pembayaran Bagi Orang Yang Mampu Adakah Kezhaliman • RisalahMuslim,” 14 April 2020. https://risalahmuslim.id/hadits/bukhari-2225/.
Kawula, Admin. “Bank Syariah Indonesia Luncurkan Kartu Kredit Untuk UMKM Dan Kaum Milenial.” Kawula Indonesia (blog), 11 April 2021. https://kawulaindonesia.com/2021/04/11/bank-syariah-indonesia-luncurkan-kartu-kredit-untuk-umkm-dan-kaum-milenial/.
Khairani, Dian. “SYARIAH CARD DALAM TINJAUAN HUKUM EKONOMI SYARIAH.” TAHKIM 16, no. 1 (22 Juli 2020): 106–16. https://doi.org/10.33477/thk.v16i1.1064.
Kristianti, Dewi Sukma. “KARTU KREDIT SYARIAH DAN PERILAKU KONSUMTIF MASYARAKAT.” AHKAM : Jurnal Ilmu Syariah 14, no. 2 (28 Juli 2014). https://journal.uinjkt.ac.id/index.php/ahkam/article/view/1287.
Lisman, Muhammad, dan Putri Jamilah. “SYARIAH CARD KAJIAN NORMATIVE DAN FIQIH KEUANGAN.” JURNAL ISLAMIKA 3, no. 1 (13 Mei 2020): 203–15. https://doi.org/10.37859/jsi.v3i1.1940.
Luky Nugroho, Lc. Kartu Kredit Syariah. Fakultas Syariah dan Hukum: Uin Raden Fatah Palembang, 2018. http://repository.radenfatah.ac.id/2469/.
mui, no 54 dsn-. “Dewan Syariah Nasional.” Google My Maps, 2006. https://www.google.com/maps/d/viewer?mid=1lBnAxL9B5uEfgUvR4GJjQsuy3gE&hl=en.
Nurzakka, Muhammad. “FENOMENA KARTU KREDIT DALAM TINJAUAN HADIS.” Living Islam: Journal of Islamic Discourses 4, no. 1 (31 Mei 2021): 42–60. https://doi.org/10.14421/lijid.v4i1.2675.
“PBI 14.2.2012 - APMK.pdf.” Diakses 8 Juni 2022. https://www.bi.go.id/elicensing/helps/PBI%2014.2.2012%20-%20APMK.pdf.
Q.S Al-Imran 3:130. “Surah Ali Imran Ayat 130 [QS. 3:130] » Tafsir Alquran (Surah Nomor 3 Ayat 130),” 14 April 2019. https://risalahmuslim.id/quran/ali-imran/3-130/.
Rahman, Afzalur, Soeroyo, Nastangin, dan H. M Sonhadji. Doktrin ekonomi Islam. Yogyakarta: Dana Bhakti Wakaf, 1995.
Setyawati, Fitri. “Riba Dalam Pandangan Al-Qur’an dan Hadist” 3, no. 2 (2017): 15.
Sugiyono, Prof. Dr. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. 26 ed. Bandung: Alfabeta, 2017.
Wahyuningsih, Nining. “KARTU KREDIT (SUATU TINJAUAN SYARIAT ISLAM).” Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah 5, no. 2 (16 Februari 2016). https://doi.org/10.24235/amwal.v5i2.242.
Wardani, Fitri Anis. “Kartu Kredit Syariah Dalam Tinjauan Islam.” Iqtishodia: Jurnal Ekonomi Syariah 1, no. 2 (21 September 2016): 33–44. https://doi.org/10.35897/iqtishodia.v1i2.63.
Downloads
Published
Issue
Section
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
