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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Apriantini Kusumawati
Program Studi Hukum Ekonomi Syariah, Universitas Muhammadiyah Surabaya
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Tinjauan Fiqih Muamalah terhadap Sistem Escrow dalam Marketplace Dewi Nur Fatmah; Apriantini Kusumawati; Arin Tontami; Zainal Arifin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12189

Abstract

The development of marketplaces in digital commerce has created various problems, such as fraud, product discrepancies, and transaction disputes. To address these issues, marketplaces implement an escrow system as a transaction security mechanism by holding payment funds until the buyer confirms receipt of the goods. This study aims to analyze the escrow system from the perspective of fiqh muamalah using a normative legal research method through library research. The results show that the escrow system is generally permissible in Islam because it contains elements of wakalah, wadiah, and ujrah contracts and aims to ensure transaction security and protect the rights of all parties involved. However, its implementation must be conducted transparently and fairly to avoid elements of riba, gharar, and fraud (tadlis).
Tinjauan Fiqih Muamalah terhadap Sistem Escrow dalam Marketplace Dewi Nur Fatmah; Apriantini Kusumawati; Arin Tontami; Zainal Arifin
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 7 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i7.12189

Abstract

The development of marketplaces in digital commerce has created various problems, such as fraud, product discrepancies, and transaction disputes. To address these issues, marketplaces implement an escrow system as a transaction security mechanism by holding payment funds until the buyer confirms receipt of the goods. This study aims to analyze the escrow system from the perspective of fiqh muamalah using a normative legal research method through library research. The results show that the escrow system is generally permissible in Islam because it contains elements of wakalah, wadiah, and ujrah contracts and aims to ensure transaction security and protect the rights of all parties involved. However, its implementation must be conducted transparently and fairly to avoid elements of riba, gharar, and fraud (tadlis).
Co-Authors Arin Tontami Dewi Nur Fatmah Zainal Arifin