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All Journal Economie : Jurnal Ilmu Ekonomi Jurnal Hukum dan Ekonomi Syariah
Aziz, Teguh Abdul
Unknown Affiliation
Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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E Etika Bisnis Dalam Pinjaman Online: Analisis Riba Pada Fintech Akulaku Di Kalangan Mahasiswa: Etika Bisnis dalam Fintech, Implikasi Hukum Riba dalam Fintech,Fintech Syariah vs Fintech Konvensional,Gap Antara Fintech Syariah dan Fintech Konvensional,5. Peran Fintech dalam Meningkatkan Inklusi Keuangan di Indonesia,6. Tantangan Regulasi dalam Pengembangan Fintech Syariah,7. Kolaborasi Fintech Syariah dengan UMKM untuk Meningkatkan Keuangan Inklusif, Aziz, Teguh Abdul; NADJIB YASIN, HIZQIEL; Marlina, Lina
UQUDUNA: Jurnal Hukum dan Ekonomi Syariah Vol 3 No 01 (2025): JUNI
Publisher : STAI Al-Mujtama Pamekasan

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Abstract

Penelitian ini membahas penerapan prinsip etika bisnis Islam dalam praktik pinjaman online berbasis teknologi finansial (fintech), dengan fokus pada platform Akulaku. Permasalahan utama yang dikaji adalah maraknya penggunaan pinjaman berbunga oleh mahasiswa dan potensi pelanggaran prinsip syariah seperti riba dan gharar. Tujuan dari penelitian ini adalah mengidentifikasi bentuk-bentuk pelanggaran etika bisnis Islam, dampaknya terhadap mahasiswa, serta menawarkan solusi Islami yang relevan. Pendekatan yang digunakan adalah studi kualitatif-deskriptif dengan metode studi kasus. Hasil penelitian menunjukkan bahwa praktik bunga tinggi dan denda keterlambatan di Akulaku bertentangan dengan prinsip keadilan dan transparansi dalam Islam. Oleh karena itu, diperlukan regulasi yang lebih ketat, edukasi keuangan syariah bagi mahasiswa, dan pengembangan fintech syariah sebagai alternatif. Abstract This study discusses the application of Islamic business ethics principles in online lending practices using financial technology (fintech), focusing on the Akulaku platform. The main problem examined is the widespread use of interest-based loans by students and the potential violation of Islamic principles such as riba and gharar. The research aims to identify violations of Islamic business ethics, their impact on students, and to offer relevant Islamic-based solutions. This study employs a qualitative-descriptive approach using case study methods. The findings reveal that high-interest rates and late payment penalties imposed by Akulaku contradict Islamic principles of fairness and transparency. Therefore, stricter regulations, Islamic financial education for students, and the development of sharia-compliant fintech are necessary. Keywords: business ethics, riba, fintech Kata kunci: etika bisnis, riba, fintech
Kebijakan Fiskal dan Resistensi Sosial: Studi Kasus Protes Kenaikan Pajak di Kab. Pati Jawa Tengah 2025 Aziz, Teguh Abdul; Arifah, Nida; Yasin, Hizqiel Nadjib; Munawwar, Rapi Badrun; Azzahra, Qiny Shonia; Tama, Tuti Adi
Economie: Jurnal Ilmu Ekonomi Vol. 8 No. 1 (2026): January
Publisher : Faculty of Economic an Business Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30742/economie.v8i1.5000

Abstract

Fiscal policy serves as a crucial instrument for the government in managing economic conditions through state revenue and expenditure. However, the implementation of such policies often triggers public discontent, especially when it involves tax increases. This study explores the dynamics of social resistance to the tax hike policy enacted in Pati Regency, Central Java, in 2025. The research is grounded in the widespread protests by small and medium-sized enterprise (SME) actors who felt disadvantaged by the policy. A qualitative approach was employed, with data collected through in-depth interviews, direct field observation, and analysis of relevant documents. The findings reveal that social resistance was driven by inadequate public outreach, limited transparency in how tax funds were utilized, and perceptions of unfair tax burdens across business sectors. The study concludes that a more participatory, accountable, and locally adaptive fiscal policy is necessary to reduce the risk of social conflict and to ensure sustainable public revenue collection.
Co-Authors Arifah, Nida Azzahra, Qiny Shonia lina marlina, lina Munawwar, Rapi Badrun NADJIB YASIN, HIZQIEL Tama, Tuti Adi Yasin, Hizqiel Nadjib