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Muhammad Azkar
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Jerat Riba di Era Digital: Analisis Pinjaman Online Ilegal dalam Perspektif Ekonomi Islam Ahmad Zubaidi; Muhammad Azkar
JURNAL PENDIDIKAN IPS Vol. 15 No. 3 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i3.2864

Abstract

Maraknya praktik pinjaman online ilegal di Indonesia telah menimbulkan berbagai dampak negatif, terutama karena unsur riba yang terkandung di dalamnya. Layanan pinjaman digital ini sering menetapkan bunga tinggi, biaya tersembunyi, serta denda keterlambatan yang tidak proporsional, sehingga menjerat masyarakat dalam siklus utang yang sulit diputuskan. Selain dampak ekonomi, korban pinjol ilegal juga mengalami tekanan psikologis akibat intimidasi, pelanggaran privasi, serta ancaman dari debt collector. Fenomena ini menunjukkan adanya celah dalam sistem keuangan yang tidak mampu memberikan akses pembiayaan yang adil dan berlandaskan nilai moral. Penelitian ini bertujuan untuk menganalisis praktik pinjaman online ilegal dalam perspektif ekonomi Islam, serta menawarkan solusi berbasis prinsip syariah. Penelitian menggunakan metode kualitatif-deskriptif dengan pendekatan studi pustaka terhadap berbagai sumber ilmiah, fatwa, regulasi, serta laporan lembaga terkait. Hasil penelitian menunjukkan bahwa pinjol ilegal mengandung unsur riba yang jelas dan sangat bertentangan dengan prinsip keadilan, tolong-menolong (ta’awun), dan larangan eksploitasi dalam Islam. Riba dalam pinjol ilegal menyebabkan akumulasi kekayaan pada segelintir pihak dan memperdalam ketimpangan sosial. Penelitian ini merekomendasikan perlunya penguatan literasi keuangan syariah, pengembangan layanan Qard Hasan, serta optimalisasi zakat, infak, dan sedekah sebagai alternatif pembiayaan halal. Selain itu, sinergi antara pemerintah, OJK, MUI, dan lembaga keuangan syariah sangat penting untuk melindungi masyarakat dari jerat riba di era digital.
Establishment of PT. Ulil Albab Management in Community Empowerment Efforts Samsul Hady; Ahmad Amir Aziz; Muhammad Azkar
JURNAL PENDIDIKAN IPS Vol. 15 No. 1 (2025): JURNAL PENDIDIKAN IPS
Publisher : STKIP Taman Siswa Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37630/jpi.v15i2.2930

Abstract

Community empowerment is an important strategy in an effort to reduce social inequality and improve the quality of life of the community. This article discusses the establishment of PT. Ulil Albab Management as an empowerment model based on Islamic values ​​and the principle of sustainability. PT. Ulil Albab Management was established with the aim of empowering the community through the development of local economic capacity, especially in the micro, small, and medium enterprises (MSMEs) sector. The method used in this study is a qualitative approach with a field study type, so that data collection related to PT. Ulil Albab Management's efforts in community empowerment is carried out through observation, interviews, and documentation. The results of this study indicate that the existence of PT. Ulil Albab Management is not only oriented towards increasing income, but also emphasizes the instillation of Islamic values ​​such as prioritizing business halalness, sharia transactions, profit sharing, and financial management as the main foundation in every economic activity carried out. In terms of community empowerment, the existence of PT. Ulil Albab Management plays an important role in the process of improving skills, developing businesses, and strengthening local economic networks. Therefore, this study is expected to be able to provide knowledge about the importance of integration between community empowerment strategies and professional business management.
Co-Authors Ahmad Amir Aziz Ahmad Zubaidi Samsul Hady