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Journal : Journal of Economics, Bussiness and Management Issues

Analisis Tapera dalam Perspektif Ekonomi Islam: Keabsahan Konsep dan Tantangan Gharar Amelia, Nur; Sukmaya, Dwinugrah Yogas; Rahmawati, Destiyana; Hidayat, M. Khoiruddin; Cahyani, Nisa Kurnia; Waluyo, Waluyo
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 2 (2025): Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i2.554

Abstract

The Public Housing Savings (Tapera) is an Indonesian government program aimed at assisting low-income communities in obtaining decent housing through a mandatory savings scheme. This study aims to examine the validity of the Tapera concept from an Islamic economic perspective and analyze the potential presence of gharar in its mechanism. A qualitative descriptive research method was employed, utilizing a literature review approach that analyzed various sources, including scientific journals, legislation, and official government statements. The findings indicate that Tapera may involve elements of gharar due to uncertainties in fund management, ownership certainty, and the timeframe for benefit disbursement. While the program's objectives align with the Islamic economic principle of social welfare, its implementation requires greater transparency and legal certainty to comply with Sharia principles. In conclusion, minimizing gharar in Tapera necessitates enhanced transparency in fund management, investment mechanisms based on halal instruments, and assurance of fair and non-exploitative benefits for participants, ensuring its alignment with Islamic economic principles.
Analisis Akad dan Perlindungan Konsumen Dalam Uang Elektronik Sukmaya, Dwinugrah Yogas; Firanti Nur, Rahmawati; Anggoro, Febri Adhi; Rohman, Alfiyan Nur; Waluyo, Waluyo
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 4 (2025): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i4.683

Abstract

This study aims to analyze contracts (akad) and consumer protection in the use of electronic money in Indonesia, with a focus on the application of Islamic economic principles. The research employs a qualitative method with a literature study approach, enabling the collection and analysis of information related to fintech innovations, particularly digital wallets such as GoPay, OVO, and Dana, as well as the QRIS payment system implemented by Bank Indonesia. The findings indicate that a proper understanding of the types of contracts applied, such as deposit (wadi’ah) or loan (qardh), is crucial to ensure compliance with Sharia values. In addition, this study identifies risks and challenges faced by consumers, including data protection and potential misuse. The conclusion highlights the need for strong regulations and strict security systems to safeguard consumers, as well as the importance of public education regarding contracts and risks associated with electronic money. Furthermore, innovations in Sharia-based services are necessary to establish a more equitable and sustainable financial ecosystem, thereby enhancing public trust in the use of electronic money.
Co-Authors Abdul Rasyid Abdurrachman Baksir, Abdurrachman ABIMANYU, AHMAD Adha, Natasya Putri Salsabila Adi, Catur Pramono Adi, Elizabeth Ayu Puspita ADITYA FITRIANSYAH Afif, Muslihul Afriyanah, Afriyanah Aghnat, Qorna Agus Mukholid Agustin, Anisa Puji AHMAD ZAKKY ZAKKY RI’AYATULLAH1 Aisah Aisah Al Ayubi, Aji Ilham Al Hasan, Haifar Amru Zein Al Ikhsan, Al Ikhsan Al-Mahya, Yaafi’ah Qothrunnada Elysia ALINDA NOVITA SARI, ALINDA NOVITA Amaliah, Desti AMELIA, NUR Amien, Mohammad Miqdad Hasfhi Anand Yasmin, Muhamad Andri, Andri Nofreeana Angela Dirman Anggoro, Febri Adhi Anggun Permatasari, Linda Annisa Hakim Zamzami Annisa Novita Sari Anwar, Natasya Fauziah Anwar, Syah Jehan Khalifatul Aprilia, Alfia Eka Apriyani, Maria Novita Apriyanto, Yoga Ar Rasyid, Robby Ikhsan ARDHIANS ABDILLAH WIJAYA, ARDHIANS ABDILLAH Ardiansyah, Raihan ARIEF, JAUZIE Arifin, Zaki Zainal Arimustofa, Daniel Nurfatra ARIO AMRI IHSAN, ARIO AMRI Armando, Eric ARSYAD RAMADHAN DARLIS ASHADI AMIR NURHAKIM Assafi'i, Ahmad Khoirul Anam Astuti, Santika Dewi Aulia Maris Syahputri Aulia, Isna Azani, Aisyah Wahyu Azzahra Pradina, Arida BAMBANG ANGGORO Barindi, Surya Basundari, Ninok Benazir, Dyas Mulyani Cahyani, Nisa Kurnia Daffa Kristantyo, Hervian Datien Eriska Utami DERI MUHAMAD NURENDI, DERI MUHAMAD DERIL ALVIAN PERMANA, DERIL ALVIAN Devina, Shelby Dewi Oktaviani, Dewi Djoko Nugroho DWI ARYANTA Dwi Nugroho Dzulqarnain, Muammar Efendy, Ninda Aina Fahri Ali Ahzar, Fahri Ali Faitullani, Rizka FAKHRULLAH, AHMAD FARID Fauzi , Raasyid Ahmad Fauziah Anwar, Natasya Fauziah, Dini FEBRIAN HADIATNA Fida’ Husain Fiddin, Faril Aditya Fika, Fairuz Adna Firanti Nur, Rahmawati Firdasari, Rohida Fita Emiliana, Putri Diana Fitria, Novita Eka Nur Fitriah, Hardiana Hidayatul Fransiska, Widia GARY ANDRI SEPGIANTO, GARY ANDRI Hamidah, Lilia Farah Hanik Liskustyawati, Hanik Harjoyo, Harjoyo Harnisah, Harnisah Hartiwiningsih Hartiwiningsih Herawan, Lavenia Hermawan, Sapto Hidayah, Khalimatul Hidayat, M. Khoiruddin Hidayati, Alwisia Nur Hudiono Hudiono, Hudiono I Gusti Bagus Wirawan I Wayan Suka Yasa, I Wayan Suka Ida Nugroho Saputro IHFAZH NURDIN EKA NUGRAHA IKA MUTIARA AGUSTIN, IKA MUTIARA Ikbal Marus, Ikbal Imran Al Hafiz Inayah, Mariama Jauharotul Indrajaya, Indrajaya Indriyani Indriyani Irmalita Tahir, Irmalita Irwandy, Deddy ISMAIL CUMENTAS Ismail, Firdaut Ita Purnama, Ita Januar Rivtia, Intan JAUHAN BUDIWAN, JAUHAN Juliananda, Rindiani Kandiarum, Dyyah Retno Kania Sawitri Karin Febri Absari Khaerul, Ahmad Khaidir, Ismail Muhammad Khoirunissa Haryanto, Najwa Hanifah Khoirunnisa, Imelda Kholim, Rismatul Neina Kurlia Kumalasari, Intan Lego Karjoko Lestari, Avida Lestiyani, Ahlul Listyo, Dwi M IQBALLY, M Maharani, Ika Maharsi, Ganesh Jatu Mahmudah, Nazwa Lailatul Maman A. Djauhari Manumayoso, Bambang Marchelly, Nancy Mas’Udia, Putri Elfa Mayshela, Rizki Melando, Nelinda Miko Aditiya Suharto Mochammad Junus Moechammad Sarosa Mufida, Uma Muh Azril Muji, Muji Mujtahidah, Tholibah Mukhoyaroh, Mukhoyaroh Mulidah Nur Afifah Munawaroh Munawaroh Murtadho, Riski Zaki Nafi, Fatkhi Khoirun Najamuddin Najamuddin, Najamuddin Najicha, Fatma Ulfatun Nana Subarna, Nana NANDANG TARYANA NASRUN HARIYANTO NATHALIS TIMBIRI Nayotama Yasir, Mahatva Nebuchadnezzar Akbar Ngapuli Irmea Sinisuka, Ngapuli Irmea Niken Syafitri Niken Wulandari Nikmah, Fatimatun Nikmah, Wafiyatun Ni’mah, Shofwatun Noprita Herari Nugroho, Afif Khairy Nur Rohmah Nuraini, Aulia Nurdiansah, Doni Nurfatra, Daniel Nurhakim, Ashadi Amir Nurlisa, Yani Hesti Oktarini, Riri Parouli M. Pakpahan Parsiyono, Parsiyono Patmawati, Efi Tri Permatasari, Wulan Pertiwi, Citra Prabowo, Handy Widianto Pramono, Pradipta Bayuaji Pramudia, Dhimas Andriano Pramudiawati, Olivia Indah Puspaningsih, Nurul Putra, Mohamad Farda Rizqi Putri Damayanti, Ika Putri Indah Nazareta Putri Ramadhani, Putri Putri, Leilani Vania Putri, Sinta Retno Putri, Syahrani Dyajeng Putro, Baskoro Nugroho Rachmaningtyas, Samitha Raden, Muhammad Sahlan R Radhiyah, Nafi’ah Alya Radhwa, Jihan Nurfajrina Rahmadhani , Ersa Novalia Rahmadhania, Laila Suci Rahmawati Solehah, Berliana Rahmawati, Destiyana Ramadhani, Iska Dwi RAMDHANI RAMDHANI Ramili, Yunita Rayhan Difa, Muhammad Ahnaf RENDI VERIYANDI RHAMANDITA SUDRAJAT Rifki, Faiz Rifki, Zulfika Ahmad RIKI ARNANDO, RIKI Rina Sari Qurniawati, Rina Sari Rizmauliana, Fadila ROBBY IKHSAN AR RASYID Rohman, Alfiyan Nur Romadhoni, Serli Romadlon, Akhmad Romadlon, Shofiyul Irchami Rony Syaifullah Rosita Candrakirana Rovinuraini, Lathievah ROZI NURJAMAN, RIZAL FACHRUL Rubiyanto Rubiyanto Rufaizaturrohmah, Rufaizaturrohmah Rusman R. Manik RUSTAMAJI RUSTAMAJI Sabarini, Sri Santoso Salsabila Adha, Natasya Putri Samuki, Khairul Saputra, Andrianto Sarah Rabani Salim Sari, Annisa Novita Sari, Reggina Eriyanti Zealanandia Aura Sehati, Sehati Setiawan, Dita Setiawan, Firandika Setiowati , Noni Oktiana Shifa Barirohtun, Annasza Shobrina Silmi Qori Tartila Sihite, Meida Rabia Simon I Patty Siolimbona, Abdul Ajiz Siswanto, Tri Agus SITI SAODAH Siti Zubaidah Sodikin, Achmad Sohamim, Sohamim Sri Hidayati Sri Hidayati Suci Rahmadhania, Laila Sufiarina Sugiyarto Sugiyarto Sukatiman Sukatiman Sukmaya, Dwinugrah Yogas Sukodoyo Sulistiono Sunaryanti, Maya Suparwoto Suparwoto Suwandi Suwandi Suwarno Suwarno SYAHRIAL SYAHRIAL Syaifullah Syaifullah Syaifurrohman , Masruri Syarifah, Naiela Nur SYLVIA OKTOBELLA PUSPITASARI, SYLVIA OKTOBELLA Tahaanii, Aanisah Nida TAUFIK ISMAIL AR, TAUFIK ISMAIL Taufik, Mochammad Tegnan , Hilaire TEGUH ARFIANTO TEGUH ARFIANTO Tri Aji, Muhammad TRIWAHYU RUBIANTO Ummu Hanifah, Ummu Vicentius Wuried Prayogo Victorian, Ahmad Richard Vinno Ngadde W, Tri Sumarni Wahyu Indra Bayu Wahyudin, Muhamad Waluyo, Alif Wibowo, Eko S Wibowo, Riyadi Saputra Widura, Andre Yamarizky, Muhammad Daffa Alfie Yananto Mihadi Putra Yosan Ageng Nugroho YUDA YUANDHITRA, YUDA Yulfan Arif Nurohman Yuliati - Yunanda, Icha Devransiska Yuniar, Sucifa Thita Yuono, Yuono Zahrotul T, Annisa Ica Zahwara, Najwa Arsy Zainullah, Zainullah Zifamina, M. Ikhbar Fiamrillah Zulhan A Harahap, Zulhan A