Analisis Hukum Islam Terhadap Transaksi Jual Beli Emas Non Tunai dan Batasan Minimal Gramasi pada Fitur Emas dalam Aplikasi Dana

Authors

  • Erdin Nadid Universitas Gadjah Mada
  • Oman Fathurrohman SW Universitas Ahmad Dahlan

DOI:

https://doi.org/10.30651/jms.v9i5.24838

Abstract

ABSTRAK

Perkembangan teknologi finansial telah membuka berbagai peluang baru, termasuk dalam Transaksi jual beli berupa emas secara digital melalui platform aplikasi seperti DANA. Fitur eMas pada aplikasi DANA memungkinkan pengguna untuk melakukan transaksi jual beli emas secara digital, tanpa perlu menerima emas dalam bentuk fisik secara langsung. Artikel ini bertujuan untuk menganalisis kesesuaian praktik jual beli emas non tunai melalui fitur eMas dalam aplikasi DANA dengan hukum Islam, serta meninjau kebijakan gramasi minimal emas yang diterapkan. Berdasarkan hukum Islam, jual beli emas sebagai barang ribawi memiliki ketentuan-ketentuan khusus, terutama terkait serah terima (qabd) dan harga yang harus transparan. Penelitian ini menemukan bahwa mekanisme non tunai memerlukan penyesuaian agar memenuhi syarat qabd hukmi dan menghindari unsur gharar serta riba. Selain itu, kebijakan gramasi minimal yang lebih kecil dari ketentuan klasik memerlukan analisis lebih lanjut terkait dampaknya terhadap keadilan dalam transaksi syariah.

Kata Kunci: Jual beli emas, non tunai, hukum Islam, Minimal Gramasi, fitur eMas, DANA

ABSTRACT

The development of financial technology has opened up various new opportunities, including in buying and selling gold digitally through application platforms such as DANA. The eMas feature in the DANA application allows users to make non-cash gold buying and selling transactions without having to directly receive physical gold. This article aims to analyze the suitability of non-cash gold buying and selling practices through the eMAS feature in the DANA application with Islamic law, as well as review the minimum gold gram policy applied. Based on Islamic law, the sale and purchase of gold as a ribawi item has special provisions, especially regarding the handover (qabd) and the price that must be transparent. This study found that the non-cash mechanism requires adjustments to fulfill the qabd hukmi requirements and avoid elements of gharar and usury. In addition, the minimum grammage policy that is smaller than the classical provisions requires further analysis regarding its impact on justice in Islamic transactions.

Downloads

Published

2024-12-20

How to Cite

Nadid, E., & SW , O. F. (2024). Analisis Hukum Islam Terhadap Transaksi Jual Beli Emas Non Tunai dan Batasan Minimal Gramasi pada Fitur Emas dalam Aplikasi Dana. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(5). https://doi.org/10.30651/jms.v9i5.24838

Issue

Vol. 9 No. 5 (2024)

Section

Artikel

License

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.