A Review of Sharia Economic Law on Gold Investment in the Gold Savings Feature in the Dana Application

Authors

  • Nur Rizqi Febriandika Universitas Muhammadiyah Surakarta, Indonesia
  • Tiara Vergita Mahanani Universitas Muhammadiyah Surakarta, Indonesia

DOI:

https://doi.org/10.29040/jiei.v9i1.7692

Keywords:

Fintech Application, Gold Investment, NABUNG E-mas

Abstract

Gold investment is a promising activity in the future. This gold investment is also allowed by some scholars. Thus, this study analyzes the sharia suitability of the NABUNG E-Mas feature in the DANA application which has various products (Buying and Selling, Physical Gold Printing) with fatwas related to the review of the fatwa and related positive laws, namely from the Laws and Regulations that underlie the practice of Gold Investment. in Indonesia. For this purpose, in this study, the procedure for buying and selling gold online in the DANA application will be explained which can be a reference for users regarding its sharia compliance. The author uses a qualitative research method through a normative-empirical legal approach with literature studies to collect data sources. From this research, it can be concluded that all products in the NABUNG eMAS feature in the DANA application: buying and selling gold, saving gold, and physically printing gold are in compliance with the law and related fatwas.

References

Alam, A. (2016). Perkembangan Ekonomi Islam : Perspektif Filosofis. International Conference on Islamic Epistemology “The Reconstruction of Contemporary Islami Epistemology,†5(2), 63–69.

Arafat, M., & Krismono. (2022). Tinjauan Hukum Islam Terhadap Investasi Emas Online Melalui TokopediaEmas. At-Thullab (Jurnal Mahasiswa FIAI-UII), 4(1), 858–873.

Dini, D., & Aji, R. H. S. (2022). Education Investment in Economic Growth Following Provinces in Indonesia in 2014-2020. ISLAMIC BANKING: Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 8(1), 163–180.

Fauziah, M. R. (2019). Investasi Logam Mulia (Emas) di Penggadaian Syariah dalam Perspektif Hukum Ekonomi Syariah. Tahkim: Jurnal Hukum Dan Syariah, 15(1), 63–73. https://core.ac.uk/download/pdf/229360494.pdf

Febriandika, Nur Rizki, & Hakimi, F. (2020). Analisis Kesesuaian Syariah Electronic Money Pada Bank Penerbit Uang Elektronik di Indonesia. An-Nisbah: Jurnal Ekonomi Syariah, 07(1), 212–249.

Febriandika, Nur Rizqi, Fadli, & Mi’raj, D. A. (2022). How Are NFT (Non-Fungible Token) Transactions Reviewed According to Islamic Law? Borobudur Law Review, 4(1), 1–12. https://www.doi.org/ 10.31603/burrev.6807

Fitriyah, N., & Soviana, R. (2021). Efektivitas Peran Arbitrase Syariah dalam Menyelesaikan Sengketa Bisnis Syariah. J-HES (Jurnal Hukum Ekonomi Syariah), 5(02), 180–189.

Gunarsa, S. M. (2019). Kontrak Berjangka Komoditas Emas Sebagai Instrumen Transaksi Derivatif dalam Kajian Hukum Ekonomi Syariah. Undang: Jurnal Hukum, 2(1), 95–117. https://doi.org/10.22437/ujh.2.1.95-117

Gunawan, A. I., & Wirawati, N. G. P. (2013). Perbandingan Berinvestasi Antara Logam Mulia Emas dengan Saham Perusahaan Pertambangan Emas. E-Jurnal Akuntansi Universitas Udayana, 4(2), 406–420.

Hafizd, J. Z. (2021). Investasi Emas dalam Perspektif Hukum Islam. J-HES (Jurnal Hukum Ekonomi Syariah), 05(02), 96–110.

Hariman Surya Siregar, M. A., & Koko Khoerudin, M. P. I. (2019). Fikih Muamalah: Teori dan Implementasi (Pipih Latifah (ed.); 1st ed.). PT REMAJA ROSDAKARYA.

IFDI. (2019). Shifting Islamic Finance Development. ICD Refinitiv Islamic Finance Development Indicator, 65–68. www.refinitiv.com/en/islamic-finance%0Ahttps://www.ojk.go.id/en/kanal/perbankan/data-dan-statistik/booklet-perbankan-indonesia/Documents/Pages/Indonesia-Banking-Booklet-2019/Indonesia Banking Booklet 2019.pdf

Khairunnisa, D. (2021). Analisis Penerapan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No. 26/DSN-MUI/III/2002 tentang Rahn Emas. J-HES (Jurnal Hukum Ekonomi Syariah), 05(02).

Luthfi, A. H., Khakiki, A., Wijayanti, Y. B., Sari, C. F., & Putri, A. N. (2021). Investasi Emas Secara Kredit di Pegadaian Syariah Dalam Perspektif Hukum Islam. Az Zarqa’: Jurnal Hukum Bisnis Islam, 13(1), 157–176. https://doi.org/10.14421/azzarqa.v13i1.2429

Malau, L. R. E., Ulya, N. A., Martin, E., Anjani, R., Premono, B. T., & Yulni, T. (2022). Competitiveness and Flow of Indonesian Paper Trade in the Global Market. Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi Dan Pembangunan, 23(1), 1–18. https://doi.org/10.23917/jep.v23i1.17648

Maldhini, A., & Patrisia, D. (2022). Comparative Analysis Cryptocurrency of Bitcoin, Stock, and Gold Return and Risks as Alternative Investments (2015-2020). FMS (Financial Management Studies), 2(2), 34–48.

Muhajir, A. (2020). Analisis Hukum Investasi Emas Online (Ditinjau dari Teori Barang Ribawi). Al-‘Adl, 13(2), 224–235. https://ejournal.iainkendari.ac.id

Mustapa, F., & Hosen, M. N. (2021). Tinjauan Hukum Ekonomi Syariah Terhadap Praktik Jual Beli Emas Melalui Aplikasi Online Pluang. J-HES (Jurnal Hukum Ekonomi Syariah), 05(02), 61–76.

Muthoifin, & Nuha. (2016). Kontekstualisasi Makna Zakat: Studi Kritis Kosep Sabilillah Menurut Masdar Farid Mas’udi. The 3rd University Research Colloquium, 185–191.

Nordin, N., Aziz, M. I., Embong, R., Daud, N., & Aziz, S. A. (2018). Shariah Compliant Gold Investment: An Understanding among Academicians in Terengganu, Malaysia. International Journal of Academic Research in Business and Social Sciences, 8(10), 226–235. https://doi.org/10.6007/ijarbss/v8-i10/4728

Pardiansyah, E. (2017). Investasi dalam Perspektif Ekonomi Islam: Pendekatan Teoritis dan Empiris. Economica: Jurnal Ekonomi Islam, 8(2), 337–373. https://doi.org/10.21580/economica.2017.8.2.1920

Putri, E., Praswati, A. N., Muna, N., & Sari, N. P. (2022). E-Finance Transformation: A Study of M-Wallet Adoption in Indonesia. Jurnal Ekonomi Pembangunan Kajian Masalah Ekonomi Dan Pembangunan, 23(1), 123–134. https://doi.org/10.23917/jep.v23i1.15496

Rahmasari, O. A., & Febriandika, N. R. (2018). The Application of Wadiah Contract on Islamic Banking Savings Products Through Branchless Banking (Conformity Analysis on Fatwa DSN-MUI and POJK). ICONIES (1st International Conference on Islamic Economics and Business), 101, 285–289. https://doi.org/10.2991/iconies-18.2019.56

Rizqi Febriandika, N., & Sukmana, R. (2018). Cryptocurrency Position in Islamic Financial System: A Case Study of Bitcoin. ICPS 2018 - 2nd International Conference Postgraduate School, 159–163. https://doi.org/10.5220/0007539401590163

Robiyanto, R. (2018). Testing of The Gold’s Role as a Safe Haven and Hedge for Sharia Stocks in Indonesia. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics), 10(2), 255–266. https://doi.org/10.15408/aiq.v10i2.6527

Safarida, N. (2021). Gadai dan Investasi Emas: Antara Konsep dan Implementasi. Jurnal Investasi Islam, 6(1), 78–94. https://doi.org/10.32505/jii.v6i1.2994

Sugeng, A. (2012). Analisis Prinsip Ekonomi Islam Terhadap Operasional Produk Investasi Emas Pada Perbankan Syariah X. La_Riba (JURNAL EKONOMI ISLAM), 6(2), 161–177. https://doi.org/10.20885/lariba.vol6.iss2.art2

Syaikhu, Ariyadi, & Norwili. (2020). Fikih Muamalah: Memahami Konsep dan Dialektika Kontemporer. In Rafik Patrajaya (Ed.), K-Media. K-Media.

Wardhani, D. P., Sugianto, L. O., & Widyaningrum, P. W. (2020). Edukasi dan Pelatihan Investasi Pasar Modal Indonesia di Kelurahan Sukorejo. Budimas: Jurnal Pengabdian Masyarakat, 2(2), 100–108. http://www.jurnal.stie-aas.ac.id/index.php/JAIM/article/view/1256

Zain, M. N. M., Yaacob, S. E., Ahmad, A. A., Zakaria, Z., Nik, N. A. R., & Ghani, A. (2014). Gold investment application through mudarabah instruments in Malaysia: Analysis of gold dinar as capital. Asian Social Science, 10(7), 173–181. https://doi.org/10.5539/ass.v10n7p173

Downloads

Published

20-03-2023

How to Cite

Febriandika, N. R., & Mahanani, T. V. (2023). A Review of Sharia Economic Law on Gold Investment in the Gold Savings Feature in the Dana Application. Jurnal Ilmiah Ekonomi Islam, 9(1), 1129–1138. https://doi.org/10.29040/jiei.v9i1.7692

Issue

Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023

Section

Articles

Citation Check

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.