Peran Dompet Digital Konvensional dalam Ekosistem Pembayaran QRIS: Kajian dari Perspektif Ekonomi Islam

Maghfiroh, Nikmatul Ulfa and Su'ib, Mohammad Syaiful (2026) Peran Dompet Digital Konvensional dalam Ekosistem Pembayaran QRIS: Kajian dari Perspektif Ekonomi Islam. Jurnal Investasi Islam, 11 (2). pp. 1680-1702. ISSN 2580 9024

Text Artikel Nikmatul Ulfa Maghfiroh (2210400008).pdf - Published Version Restricted to Registered users only Download (467kB) | Request a copy

Abstract

Penelitian ini bertujuan untuk menganalisis peran dompet digital konvensional dalam ekosistem pembayaran QRIS serta mengevaluasi kesesuaiannya dengan prinsip-prinsip ekonomi Islam melalui kerangka maqashid al-shariah. Penelitian ini menggunakan metode kualitatif deskriptif-analitis berbasis studi pustaka, dengan mengacu pada data sekunder dari peraturan Bank Indonesia, laporan statistik resmi, artikel jurnal terindeks, serta referensi normatif dalam ekonomi Islam. Berdasarkan Laporan Bank Indonesia Triwulan III 2025, dompet digital mendukung lebih dari 80 persen volume transaksi QRIS dan berkontribusi terhadap inklusi keuangan pelaku UMKM, pola yang sejalan dengan dimensi maslahah dari maqashid al-shariah. Namun, ketidakjelasan ketentuan kontrak atas dana mengendap serta mekanisme promosi cashback memunculkan kekhawatiran normatif terkait gharar, riba, dan hifz al-mal yang belum ditangani secara memadai oleh regulasi. Kontribusi penelitian ini terletak pada pemosisian dompet digital, bukan hanya QRIS, sebagai unit analisis utama kepatuhan syariah, serta pemisahan eksplisit antara klaim berbasis data empiris dan hipotesis normatif, termasuk menilai status hukum cashback berdasarkan sumber pendanaannya. Penelitian ini mengusulkan penguatan standar pengungkapan kontrak oleh Bank Indonesia dan perluasan pengawasan DSN-MUI, dan penelitian mendatang disarankan menggunakan pendekatan mixed-methods yang melibatkan penyedia layanan dan regulator untuk memverifikasi praktik pengelolaan dana yang tidak terjangkau metode studi pustaka.

This study aims to analyze the role of conventional digital wallets in the QRIS payment ecosystem and to evaluate their compliance with the principles of Islamic economics through the maqasid al-shariah framework. This study employs a descriptive-analytical qualitative method based on a literature review, drawing on secondary data from Bank Indonesia regulations, official statistical reports, indexed journal articles, and normative references in Islamic economics. According to Bank Indonesia’s Third Quarter 2025 Report, digital wallets support more than 80 percent of QRIS transaction volume and contribute to the financial inclusion of MSME actors, a pattern consistent with the maslahah dimension of maqasid al-shariah. However, the lack of clarity in contractual provisions on floating funds and cashback promotion mechanisms raises normative concerns regarding gharar, riba, and hifz al-mal that have not been adequately addressed by regulations. The contribution of this study lies in positioning digital wallets, not just QRIS, as the primary unit of analysis for Shariah compliance, as well as explicitly distinguishing between claims based on empirical data and normative hypotheses, including assessing the legal status of cashback based on its funding source. This study proposes that Bank Indonesia strengthen contract disclosure standards and that the DSN-MUI expand its oversight; future research is recommended to use a mixed-methods approach involving service providers and regulators to verify fund management practices that cannot be assessed through a literature review.

Item Type:	Article
Uncontrolled Keywords:	Dompet Digital, QRIS, Maqashid al-Shariah, Ekonomi Islam, Inklusi Keuangan
Subjects:	B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HB Economic Theory H Social Sciences > HG Finance
Divisions:	Fakultas Agama Islam > S1 Ekonomi Syari'ah
Depositing User:	Unnamed user with email nikmatululfa20@gmail.com
Date Deposited:	18 Aug 2026 07:49
Last Modified:	07 Sep 2026 04:43
URI:	https://repository.unuja.ac.id/id/eprint/4172

Actions (login required)

View Item