Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Socius: Social Sciences Research Journal
Haikal, M. Awalul
Unknown Affiliation
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Analisis Fiqh Muamalah terhadap Praktik Pinjaman Kelompok di Platform Fintech Amartha dalam Perspektif Hukum Ekonomi Syariah Gantina, Anna Delfianty; Haikal, M. Awalul; J, Jaenudin; Herdiana, Dian
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 5 (2025): December 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17829589

Abstract

This study examines the legal position and compliance of Amartha’s peer-to-peer lending scheme within the framework of Sharia principles, focusing on the legitimacy of the wakalah bil ujrah contract and its alignment with Indonesian positive law. Using a normative juridical method, this research relies on primary legal materials including OJK regulations governing fintech lending and relevant DSN-MUI fatwas, supported by secondary materials such as journals, sustainability reports, and academic analyses. The findings indicate that Amartha’s business model featuring group-based financing, fixed service fees, and risk-sharing mechanisms generally aligns with the governance requirements stipulated in POJK and the contractual parameters defined in fatwas on wakalah, ujrah, and P2P financing ethics. This study concludes that while Amartha’s model is legally structured to comply with Sharia and positive law, stronger regulatory enforcement and standardized disclosures are necessary to ensure optimal consumer protection and Sharia-compliant financial practices.
Co-Authors Gantina, Anna Delfianty Herdiana, Dian J, Jaenudin