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All Journal Regress: Journal of Economics & Management
Dwi Ainun Khofifah
Universitas Islam Negeri K.H. Abdurrahman Wahid
Economics, Econometrics & Finance Social Sciences

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Kejujuran dan Perlindungan Harta dalam Transaksi Digital: Analisis Etika Ekonomi Islam Perspektif Tauhid dan Maqashid Syariah Berdasarkan Pengalaman Konsumen Dwi Ainun Khofifah; Najwa Maulida Askar; Putri Isyana Maulidya; Mila Nurul Ainiah; Ardiyan Darutama
Regress: Journal of Economics & Management Vol. 6 No. 2 (2026)
Publisher : Medan Resource Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57251/reg.v6i2.2360

Abstract

Digital transactions offer convenience but can expose consumers to order discrepancies, non-delivery, and unresolved complaints. This study examines these problems through consumers’ experiences and the principles of Islamic economic ethics, particularly tawhid and hifz al-mal. Using a qualitative descriptive approach, the researchers interviewed 33 informants recruited through direct outreach and snowball sampling, reviewed relevant literature, and manually categorized transaction problems and complaint outcomes. Of the informants, 16 (48.5%) received goods that differed from their orders, 12 (36.4%) did not receive their purchases, three (9.1%) reported concerns about product authenticity or condition, and two (6.1%) received incorrect quantities. Regarding resolution, 12 received neither the goods nor a refund, 10 had unresolved complaints, eight did not contact the seller or platform, and three obtained refunds after returning their goods. These findings indicate that digital transaction failures involve financial losses as well as ethical accountability and consumer rights. From an Islamic economic perspective, they underscore the importance of honesty, amanah, and the protection of property.
Co-Authors Ardiyan Darutama Mila Nurul Ainiah Najwa Maulida Askar Putri Isyana Maulidya