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All Journal Communicatus: Jurnal Ilmu Komunikasi JMM (Jurnal Masyarakat Mandiri) Primanomics : Jurnal Ekonomi & Bisnis BALANCE Jurnal Akuntansi dan Bisnis Performance : Jurnal Bisnis dan Akuntansi Akuntoteknologi : Jurnal Ilmiah Akuntansi dan Teknologi Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) JAMMI International Journal of Social Science, Education, Communication and Economics Husnayain Business Review JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Expensive: Jurnal Akuntansi dan Keuangan Journal of Economics and Social Sciences The Es Economics and Entrepreneurship The Eastasouth Management and Business JURNAL ALAMIAH International Journal of Economics, Management and Accounting Surya : Jurnal Pengabdian Kepada Masyarakat JPM MOCCI : Jurnal Pengabdian Masyarakat Ekonomi, Sosial Sains dan Sosial Humaniora, Koperasi, dan Kewirausahaan JPM International Journal of Law, Policy and Governance Adpebi International Journal of Multidisciplinary Sciences
Sudarma, Ade
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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ANALISIS CASHBACK PADA AKAD PEMBAYARAN FINTECH DAN KEMANFAATAN DALAM PERSPEKTIF EKONOMI SYARIAH Sudarma, Ade; Rahmat, Muhammad Imdadun; Casmita Pujiharto, Yaya Ruhenda
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.960

Abstract

The development of internet technology has driven changes in aspect of human transaction affairs, including buying and selling activities. Over time, the growth of online businesses has increased significantly, marked by the rise of e-commerce platforms or startups. Its implication is to encourage innovation in transaction methods. Financial technology (fintech) is one such innovation, with Go-Pay being a prominent example in Indonesia. Go-Pay is a cashless transaction application. Its ease of use and various promotions offered by Go-Pay have attracted consumers. One of the promotions that is often offered is cashback. Cashback refers to the return of funds from the purchase of products or payment for services using Go-Pay. This study aims to analyze the impact of cashback from Go-Pay transactions on the economy of society by employing a qualitative method supported by quantitative analysis, quantitative data was processed using a two-tailed T-test with SPSS version 26 assistance. Qualitative data analysis was done by using analytical descriptive case study approach and library research, incorporating a normative (Islamic law) perspective. Data validity was tested using source and technique triangulation, while the discussion applied the principles of ushul fiqh, specifically istidlal qiyasi (analogical reasoning). The results of this study show a significant value of 52.652, while the T-table at a significance level of 0.05 is 2.020. This indicates that the null hypothesis (H0) is rejected, and the alternative hypothesis (Ha) is accepted. The conclusion is that cashback in Go-Pay transactions has an impact on both the economy of society and its benefits. However, from an Islamic law perspective, cashback still contains elements of riba, which users should avoid. Furthermore, it is recommended that Go-Pay clarify the terms of its transaction in detail and partner with Islamic banks.
Co-Authors Acep Suherman Aeni, Silvia Akhmad, Jaenudin Alhidayatullah Andri Indrawan Anggraeni, Sherlyana Antony, Antony Arissetyanto Nugroho Aulia Ananda, Cindy Balqista, Nur Prasida Candra Pertala, Erik Casmita Pujiharto, Yaya Ruhenda Derriawan Derriawan, Derriawan Dine Meigawati Fauziah, Rossa Amalia Ferlina Sukma Syafitri Gatot Wahyu Nugroho Hamzah Hamzah Hartono Hartono Hendra Tanjung Himawan Pramulanto Idang Nurodin Irfan Sophan Himawan Ismet Ismatullah Lediyanti, Dila Leonita Siwiyanti Lusi Sawitri Maulida, Sofia Mayulida, Seny Muhammad Khairul Amal Muhammad Ridwansyah Nurni Arrina Lestari Nursiva, Halimah Pattanapokinsakul, Kanyapat Pertala, Erik Candra Putri, Julieta Amartya Rahmat, Muhammad Imdadun Rahmatullah, Irfan Rengga Gunawan, Alif Ria Estiana Santika, Fidea Sari, Rahayu Permata Sophan, Irfan Sri Rahayu, Anisa Sulistiana, Alivia Tina Kartini Zhafirah, Luthfiah