Analisis Crowdfunding Syariah Berdasarkan Prinsip Sharia Compliance pada Produk Perbankan Syariah

Fahmi Makraja

Abstract


The presence of Financial Technology is a concrete manifestation of economic development in the digital era. One form of fintech development is the emergence of crowdfunding  which is accessed via an internet network connection. The purpose of this research is to find out the implementation of the sharia crowdfunding method from the point of view of sharia compliance in Indonesia. The method used in this study is qualitative by using an empirical juridical approach. The results of this study conclude that the application of the sharia crowdfunding method to real sector economic transactions is in accordance with sharia principles, meaning that the sharia crowdfunding  method is permissible according to Islamic law. The interrelated parties in this crowdfunding  are the organizers, initiators and investors or donors as well as the Sharia Supervisory Board as the supervisory institution for the implementation of sharia crowdfunding. The application of crowdfunding  in the development of Islamic banking products must be in accordance with sharia principles, namely avoiding the elements of magrib (maisir, gharar and usury). The development of crowdfunding -based fintech has grown rapidly in Indonesia so that special regulations are needed to regulate this so that unwanted things do not occur.


Keywords


Sharia Compliance, Sharia Crowdfunding, Sharia Bank Products

References


Jurnal

Afinka, S. N., Awaliyah, I., Mikro, U., Dana, P., Koperasi, B., Mikro, U., & Pembiayaan, B. (2022). Optimalisasi Penyaluran dan Pengawasan Dana Lembaga Pengelola Dana Bergulir kepada Usaha Mikro Kecil dan Menengah melalui Aplikasi Securities Crowdfunding. 1(September), 189–200.

Astarianti, A., & Dyandra, U. (2021). Perspektif Hukum MengenaiPenggunaan Securities Crowdfunding Pada Masa Pemulihan Ekonomi Akibat pandemi. 2(8), 607–626.

Dandy, M., Saputra, H., & Qurrata, V. A. (2021). Securities crowdfunding : Bagaimana Relevansinya pada Nilai- Nilai Pancasila ? 1(1), 28–37.

Hapsari, R. A. (2021). Studi yuridis Perlindungan Hukum Pada Lembaga Layanan Urun dana (Securities Crowdfunding) Berbasis Digital (Studi Pada OJK Lampung). 1, 355–362.

Ibrahim, R. A. (2021). Optimalisasi Pengaturan Layanan Urun Dana ( Crowdfunding ) Berbasis Teknologi Informasi Sebagai Solusi Permodalan Usaha Mikro, Kecil, Dan Menengah Di Masa Pandemi Covid-19. 6(4), 732–751.

Ilmalana, S. (2020). Analisi Syariah Crowdfunding Dalam Prinsip Sharia Compliance Serta Implementasinya Pada Produk Perbankan Syariah.

Indramayu. (2022). Pertanggungjawaban Hukum Penyelenggara Securities Crowdfunding Terhadap Pemodal Efek Bersifat Utang atau Sukuk. 8(1).

Kadir, M. R. (2020). Shariah Compliance Pada Investasi Sukuk Dalam Securities Crowdfunding Di Indonesia. 3(1).

Majid, R., & Nugraha, R. A. (2022). Crowdfunding and Islamic Securities: The Role Financial Literacy. 8(1), 89–112.

Prasaja, M. G. (2020). Tantangan Dan Masa Depan Financial Technology Terhadap Perkembangan Industri Keuangan Syariah Di The Challenges And Future Of Financial Technology On The Development Of The Sharia Financial Industry In The. 16(2), 71–80.

Rasyid, M. A.-Z. (2017). Crowdfunding Syariah Untuk Pengembangan Produk Perbankan Syariah Dari Perspektif Syariah Compliance. 6(21), 1–16.

Setyowati, A. N. & R. (2018). Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Implementasinya Dalam Produk Perbankan Syariah. XII(2), 9.

Suryanto. (2021). Securities Crowdfunding: Transformation Of Financing of Small And Medium Enterprises In Indonesia. 6(2), 163–171.

Zatadini, N. (2019). Risk Motigation Strategy in Islamic Crowdfunding Institution (Case study at Islamic Crowdfunding Institution In Indonesia). 170–175.

Perundang-Undangan

POJK Nomor 77 tahun 2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi

Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah

Undang-Undang Nomor 8 Tahun 2010 Tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang

Undang-Undang Nomor 11 tahun 2008 tentang Informasi dan Transaksi Elektronik




DOI: http://dx.doi.org/10.21043/tawazun.v6i2.18278

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 TAWAZUN : Journal of Sharia Economic Law

Tawazun: Journal of Sharia Economic Law has been Indexed by :

 

http://journal.stainkudus.ac.id/indexing/17.jpg    http://journal.stainkudus.ac.id/indexing/googlescholar.jpg    http://journal.stainkudus.ac.id/indexing/crossref.jpg    Moraref


 GARUDA    images1    

 

Tawazun: Journal of Sharia Economic Law
ISSN 2655-9021 (print) | ISSN 2655-9579 (online)

Creative Commons License

Tawazun: Journal of Sharia Economic Law by Sharia Economic Law Department, Sharia Faculty, State Islamic Institute of Kudus, Kudus, Indonesia is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.