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All Journal Syarie: Jurnal Pemikiran Ekonomi Islam
Nurlatifatusolihah
STT Terpadu Nurul Fikri Depok
Religion Economics, Econometrics & Finance Social Sciences

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PENERAPAN HAK KHIYAR SEBAGAI INTRUMEN PERLINDUNGAN HUKUM KONSUMEN DALAM EKOSISTEM TRANSAKSI JUAL BELI ONLINE DI RISE STORE Aditya Ramadhan; Nurlatifatusolihah
Syar'ie: Jurnal Pemikiran Ekonomi Islam Vol. 9 No. 2 (2026): Syar'ie
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/q7a3wa65

Abstract

This study aims to analyze the application of khiyar rights as a legal instrument for consumer protection in the online shop transaction ecosystem, particularly within the return-refund mechanism at Rise Store. The method employed is qualitative with a case study approach that integrates normative and empirical law, conducted through observation, interviews, and document analysis of DSN-MUI fatwas and Asy-Syathibi's maqashid syariah framework. The findings reveal that Rise Store has fulfilled a number of formal requirements for electronic contracts (akad elektronik); however, it applies exoneration clauses (klausula eksonerasi) that entirely nullify the buyer's khiyar rights for digital products that have already been accessed by the buyer, thereby contradicting the provisions of the fatwa and violating all three levels of maqashid syariah: hifzh al-mal at the dharuriyyat level, the spirit of hajiyyat which aims to relieve consumer burdens, and the tahsiniyyat standard of just and ethical commerce (muamalah). This study concludes that khiyar rights are not merely a technical provision of Islamic jurisprudence (fiqh), but rather a fundamental protective instrument that needs to be transformed into a Sharia-based clause model and standard operating procedure (SOP) in order to create a just and equitable digital trade ecosystem in Indonesia.
Co-Authors Aditya Ramadhan