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All Journal Jurnal Kajian Islam Modern HISTORICAL: Journal of History and Social Sciences International Journal of Sharia Business Management Gudang Jurnal Multidisiplin Ilmu JEBD Jurnal Kajian Islam dan Sosial Keagamaan Journal of International Multidisciplinary Research Demagogi: Journal of Social Sciences, Economics and Education Maklumat: Journal of Da'wah and Islamic Studies Holistik Analisis Nexus Al-Mahkamah: Islamic Law Journal Al-Fadilah: Islamic Economics Journal DIRASAH: Jurnal Kajian Islam TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Values: Jurnal Kajian Islam Multidisiplin Journal of Religion and Social Community ALFATWA Journal of sharia and law
Muhibban
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Journal : DIRASAH: Jurnal Kajian Islam

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Analisis Pinjaman Uang Online melalui Aplikasi Shopee Spinjam dalam Hukum Islam: Analysis of Online Money Loans via the Shopee Spinjam Application in Islamic Law Giarti Rumailin; Muhibban
DIRASAH: Jurnal Kajian Islam Vol 2 No 1 (2025): DIRASAH: Jurnal Kajian Islam
Publisher : Litera Academica Publishing

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Abstract

Online money lending through applications such as Shopee Spinjam has become a rapidly growing phenomenon in the digital era, especially in meeting people's financial needs in a practical way. However, this service raises various questions regarding its compatibility with the principles of Islamic law. One of the main issues is the application of interest charged to users as well as the collection process in case of default. This study aims to examine concerns regarding the transparency of contracts, the validity of proposed terms and conditions, and potential ethical violations in the billing process, particularly in terms of Islamic law compliance. The research method employed is a qualitative approach with a descriptive design, encompassing a literature study and the analysis of secondary data in the form of testimonials and user reviews from various online platforms. This method is employed to explore the practical aspects of utilizing the Shopee SPinjam application. The results of this study indicate that Shopee SPinjam has implemented the conditions of qardh; however, there are still rules and practices that are not in accordance with Islamic law. he conclusion of this research is that there needs to be stricter regulations and education to the public regarding loans that are in accordance with Islamic law to avoid harmful practices.
Co-Authors Abdul Malik Ibrohim Abdul Rohim, Abdul Abdullah Fahmi Al Kayyisi Achmad Restu Aji Ahmad Farishin Ikhwan Ahmad Muti Ahmad Tifaza Ahmad Zaini, Paiz Ahmad Zhofran Putra Setiawan Aisyah Akib Abdul Majid Alviatur Rahmah Anas Ibadurrahman Anggina Yusila Heryanto Balqis Farid Bela Dianti Budiman Arif Prasetiyo Casilda Putri Az Zahra Cindy Oktaliza Rahmadani Dila Hanifa Elsa Listiana Erwanda Fathiyyah Ar Aroyyani Fatimatuzzahra Fuad Hasan Al-faruq Ghina, Vierlya Nabilah Ghina Ghoniyyu Ilman Zaidan Giarti Rumailin Hafizd Dhafa Anudra Hana Naf’atun Sholihah Hanna Humaira Helma Maulana Zulfikar Huslan Husada Ibnu Budiyanto, Mar’ie Faiq Imam Bukhori Izzuddin Zahid Jainudin Akmal Kamal JAMALUDIN Khairunnisa Nur Amany Kusuma Rahman Hakim Lilis Holisoh M Muhyiddin Nashir M Yosi Ramadan M.Fikri Al Jundi Mahrum Malik, Dwiki Subchi Marsah Alisiah Muhammad Muhammad Aldo Rizky Muhammad Amirul Huda Muhammad Faiz Zidan Muhammad Gery Desta Muhammad Jahid Lilhaq Muhammad Rafi Mudzakky Muhammad Rafif Putra Muhammad Ramadhan Muhammad Sang Cadas Nursyam Putra Muhammad Zidni Rizqon Muklis Zakia Munir , Muhammad Misbakul Nabil Ramadhan Nabila Lutfianisa Nadia Aulia Kusnadi Nadya Rifanty Katangdiga Nalya Salsabilla Nasywa Salma Saidah Nulhakim, Naufal Allam Nur Hasan Nurbaiti Sakinah NURHASAN Nurpadilah, Siti Rohmah Raden Roro Annisa Nur Salsabila Rahma muharromah dewi hatta Rahmat Hidayat Raihan Naufal Rais Muqsith Araia Reza Apriza Rifa RihhadatulAisya Rifky Deris Alfarizi Rizki Parabi Rizky Oktaria Anjani Romadhon Rudysta Dihyah Al-Kalabi Salma, Adilah Salsabillah Rahma Dhiani Shely Intan Agvela Siti Hawa Soedarjo, Maulana Al-Khair Vinda Ruslia Maulida Wildan Jamiludin Yek Nizar Ali Zahroh, Fatimah Zaidan Nashih Ulwan