Risk Mitigation Analysis on Illegal Online Loans Based on DSN MUI Fatwa Number 117/DSN/MUI/II/2018 (Study Case in Maguwoharjo Village)

Authors

  • Rahma Yudi Astuti University of Darussalam Gontor Ponorogo
  • Malihatin University of Darussalam Gontor Ponorogo

Abstract

The rapid development of financial technology has emerged various illegal online applications that provide convenience in lending and borrowing transactions more simply and quickly in the application process, but due to the many risks that occur such as defaults by borrowers and terror carried out by debt collectors make losses to the public. This study aims to analyze the risk mitigation of illegal online loans based on DSN MUI fatwa Number 117 / DSNMUI / II / 2018. The method used in the research is descriptive qualitative with case studies using snowball sampling with a unit of analysis that focuses on people and activities, namely individuals who have made illegal online loans. The informants in this study are 6 (six) people who use illegal online loan applications in Maguwoharjo Village, Yogyakarta Special Region. The type of data used is primary data supported by secondary data collected and data collection techniques using interviews and documentation. The results of this study show that risk mitigation has been carried out by every individual who makes illegal online loan transactions, namely receiving, reducing, and transferring to minimize the risk that occurs. Online lending is allowed. The most crucial thing in its application is that it does not conflict with sharia principles, including usury, gharar, maysir, tadlis, dharar, zhulm, and haram. Keywords: Risk mitigation, Illegal online loans, fatwa DSN MUI Nomor 117/DSNMUI/II/2018

References

Abdullah, A. (2021). Analisis Pengetahuan Pinjaman Online Pada Masyarakat Muslim Surakarta. Jurnal Ekonomi Syariah Indonesia, XI (2), 22–27.

Ananda, A. F. (2018). Metodologi penelitian hukum Islam (Edisi pert). PrenadaMedia.

Annur, C. M. (n.d.). Pendanaan Fintech P2P Lending Tembus Rp 40 triliun pada mei 2022.

/7/2022.

Anwar, A. F., Riyanti, N., & Alim, Z. (2020). Pinjaman Online Dalam Perspektif Fikih Muamalah Dan Analisis Terhadap Fatwa Dsn-Mui No. 117/Dsn-Mui/Ix/2018. Jurnal Keislaman, Kemasyarakatan Dan Kebudayaan, 21(2), 119–136.

Astuti, R. Y. (2015). Pembiayaan Murâbahah yang Bermasalah di Baitul Mâl Wa Tamwîl(BMT) XYZ Dalam Perspektif Manajemen Risiko. Islamic Economics Journal, 1(2), 191. https://doi.org/10.21111/iej.v1i2.351

Ayuningtyas, B. R., Yuspin, W., Maulani, I., & Budiwati, S. (2020). Analisis Risiko Gagal Bayar oleh Peminjam pada Fintech Syariah. Jurnal Hukum Ekonomi Islam, 4(1), 86–93.

Azmi, F., & Ismail. (2022). Perspektif Manajemen Islam Dalam Menghadapi Resiko Transparansi Informasi Publik Di Kantor Kementrian Agama Kabupaten Tapanuli Tengah. Universitas Dharmawangsa, 16(July), 508–521.

Dr. R. A. Fadhallah, S.Psi., M. S. (2021). Wawancara. UNJ PRESS.

DSN-MUI. (2018). Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia No: 117/DSN- MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. 14.

Fauzi, A. A. R. dan M. (2015). pengalihan risiko dalam ekonomi islam. Hukum Islam, XV(1), 195–213.

Hana Rosita Nury, M. I. P. (2022). Financial Technology Peer to Peer Lending. Syntax Literate: Jurnal Ilmiah Indonesia, 7(5).

Herman, D. (2017). Manajemen Risiko (Cet. 2). Jakarta: Bumi Aksara.

Indrianti, L. P., Rabbani, I. S., Herdiansyah, S., Rosyada, F. R., & Indonesia, U. P. (2021). Strategies to Minimize Illegal Digital Lending Practicies During the Pandemic. Review of Islamic Economics and Finance, 4(2), 145–160.

Kukuh Galang Waluyo. (2022). Manajemen Risiko: Tujuan, Kategori, dan Mitigasi. Ditjen Perbendaharaan Kemenkeu RI.

Mas’ulah, I. (2021). Legalitas Pinjaman Online Dalam Perspektif Hukum Islam. Jurnal Hukum Ekonomi Islam, 5(2), 129–136.

Nofita, putri hamada. (2021). Metode Dokumentasi Dalam Penelitian Kualitatif, Beserta Penjelasannya. Vocasia.Id.

Nugraha, M., & Aini, N. (2022). Strategi Mitigasi Risiko Terhadap Peningkatan Kinerja Aset Koperasi Melalui Pendekatan House of Risk dan Key Risk Indicators. AJIE - Asian Journal of Innovation and Entrepreneurship, 06(May), 71–86.

Nur Indrajaya, I. (2022). 10 Penyebab Masyarakat Berutang ke Pinjol Ilegal, Paling Banyak untuk Membayar Utang. Tren Asia.

Rifa’i, S. D., & Sakinah, H. (2021). Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah: Tinjauan Fatwa Dsn Nomor 117/Dsn-Mui/Ii/2018. Fastabiq: Jurnal Studi Islam, 2(1), 62–74. https://doi.org/10.47281/fas.v2i1.49

Sugiono, P. D. (2020). Metode Penelitian Kualitatif (untuk penelitian yang bersifat: eksploratif, enterpretif, interaktif dan konstruktif) (M. S. Sofia Yustiyani Suryandari, S.E. (Ed.); ke-3). Alfabeta.

Sugiyono. (2016). Metode Penelitian Manajemen: Pendekatan Kuantitatif, Kualitatif, Kombinasi (mixed methods), penelitian tindakan (action research), penelitian evaluasi (Setiyawarni (Ed.); Cet.

Supriyanto, E., & Ismawati, N. (2019). Sistem Informasi Fintech Pinjaman Online Berbasis.

Jurnal Sistem Informasi, Tekhnologi Informasi Dan Komputer, 9(2), 100–107.

Syarvina, W., & Sudiarti, S. (2022). Analisa Risiko Pinjaman Online Ilegal dalam Praktik Teknologi Finansial. Jurnal Riset Akuntansi Dan Bisnis, 22(1), 18–28. https://doi.org/http://dx.doi.org/10.30596%2F8939 ABSTRACT

Tendiyanto, T. (2021). Pelanggaran Penyelenggara Peer To Peer (P2P) Lending Financial Technology Ilegal Terhadap Debitur. Jurnal Penelitian Universitas Kuningan, Vol. 12, N, 06.

Downloads

Published

2024-03-16

How to Cite

Rahma Yudi Astuti, & Malihatin. (2024). Risk Mitigation Analysis on Illegal Online Loans Based on DSN MUI Fatwa Number 117/DSN/MUI/II/2018 (Study Case in Maguwoharjo Village). Proceedings of Femfest International Conference on Economics, Management, and Business, 2, 518–527. Retrieved from https://ejournal.unida.gontor.ac.id/index.php/FICCOMSS/article/view/11825

Issue

Vol. 2 (2024): Proceedings of Femfest International Conference on Economics, Management, and Business

Section

Articles