Novea Elysa Wardhani
University of Palangka Raya

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Keabsahan Emas Digital pada Platform DANA dalam Hukum Positif dan Hukum Islam Ina Kaleluni; Syamhudian Noor; Novea Elysa Wardhani; Nuraliah Ali
JURNAL USM LAW REVIEW Vol. 9 No. 3 (2026): SEPTEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v9i3.14319

Abstract

This study aims to analyze the legality of digital gold transactions through the eMAS feature on the DANA application under Indonesian positive law and Islamic law. This research is motivated by the normative gap regarding the legal status of digital gold as an electronic transaction object, the validity of digitally recorded ownership, and the problem of qabd in non-physical gold transactions under Islamic law. This study employs normative legal research using statutory, conceptual, and comparative approaches through library research on legislation, legal doctrines, and Islamic legal fatwas. The novelty of this study lies in constructing the legality parameters of digital gold through the integration of electronic contract law and the concept of qabd hukmi based on indicators of digital object validity, legal certainty, underlying asset existence, and electronic delivery mechanisms. The findings reveal that digital gold transactions are principally valid under positive law insofar as they fulfill the legal requirements of contracts, are supported by valid electronic contracts, possess real underlying assets, and guarantee consumer protection. Under Islamic law, such transactions are permissible provided that they fulfill the principle of an-tarāḍin, are free from riba and gharar, and satisfy qabd hukmi as a form of legal possession over the transaction object. The study concludes that the legality of digital gold is conditional legality that depends on legal certainty, custodian transparency, and the validity of digital delivery.     Penelitian ini bertujuan menganalisis keabsahan transaksi emas digital melalui fitur eMAS pada aplikasi DANA berdasarkan hukum positif Indonesia dan hukum Islam. Penelitian ini dilatarbelakangi oleh kekosongan norma mengenai status hukum emas digital sebagai objek transaksi elektronik, validitas kepemilikan berbasis saldo digital, serta problem qabd dalam transaksi emas nonfisik menurut hukum Islam. Penelitian menggunakan metode hukum normatif dengan pendekatan perundang-undangan, konseptual, dan komparatif melalui studi kepustakaan terhadap regulasi, doktrin hukum, dan fatwa syariah. Kebaruan penelitian terletak pada konstruksi parameter legalitas emas digital berbasis integrasi hukum kontrak elektronik dan konsep qabd hukmi melalui indikator validitas objek digital, kepastian hak, keberadaan underlying asset, dan mekanisme penyerahan elektronik. Hasil penelitian menunjukkan bahwa transaksi emas digital pada prinsipnya sah menurut hukum positif sepanjang memenuhi syarat sah perjanjian, didukung kontrak elektronik yang valid, memiliki underlying asset yang nyata, dan menjamin perlindungan konsumen. Dalam hukum Islam, transaksi dapat dibenarkan sepanjang memenuhi prinsip an-tarāḍin, terbebas dari riba dan gharar, serta terpenuhinya qabd hukmi sebagai bentuk penguasaan hukum atas objek transaksi. Penelitian ini menyimpulkan bahwa legalitas emas digital bersifat conditional legality yang bergantung pada kepastian hak, transparansi kustodian, dan validitas penyerahan digital.