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Rahmat, Muhammad Imdadun
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ANALISIS CASHBACK PADA AKAD PEMBAYARAN FINTECH DAN KEMANFAATAN DALAM PERSPEKTIF EKONOMI SYARIAH Sudarma, Ade; Rahmat, Muhammad Imdadun; Casmita Pujiharto, Yaya Ruhenda
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 01 (2025): JANUARY 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i01.960

Abstract

The development of internet technology has driven changes in aspect of human transaction affairs, including buying and selling activities. Over time, the growth of online businesses has increased significantly, marked by the rise of e-commerce platforms or startups. Its implication is to encourage innovation in transaction methods. Financial technology (fintech) is one such innovation, with Go-Pay being a prominent example in Indonesia. Go-Pay is a cashless transaction application. Its ease of use and various promotions offered by Go-Pay have attracted consumers. One of the promotions that is often offered is cashback. Cashback refers to the return of funds from the purchase of products or payment for services using Go-Pay. This study aims to analyze the impact of cashback from Go-Pay transactions on the economy of society by employing a qualitative method supported by quantitative analysis, quantitative data was processed using a two-tailed T-test with SPSS version 26 assistance. Qualitative data analysis was done by using analytical descriptive case study approach and library research, incorporating a normative (Islamic law) perspective. Data validity was tested using source and technique triangulation, while the discussion applied the principles of ushul fiqh, specifically istidlal qiyasi (analogical reasoning). The results of this study show a significant value of 52.652, while the T-table at a significance level of 0.05 is 2.020. This indicates that the null hypothesis (H0) is rejected, and the alternative hypothesis (Ha) is accepted. The conclusion is that cashback in Go-Pay transactions has an impact on both the economy of society and its benefits. However, from an Islamic law perspective, cashback still contains elements of riba, which users should avoid. Furthermore, it is recommended that Go-Pay clarify the terms of its transaction in detail and partner with Islamic banks.
ANALISIS FUNGSI INTERMEDIASI LEMBAGA PEMBIAYAAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) AMANAH UMMAH DALAM MENGEMBANGKAN SEKTOR USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI BOGOR BARAT Cholil , Ahmad; Sumengkar, Apung; Rahmat, Muhammad Imdadun
ALAMIAH : Jurnal Muamalah dan Ekonomi Syariah Vol 6 No 02 (2025): JULI 2025
Publisher : Institut Agama Islam Sahid Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v6i02.964

Abstract

Bank Pembiayaan Rakyat Syariah is a sharia bank that in its activities does not provide services in payment transactions. The legal form of BPRS is a limited liability company. BPRS may only be owned by Indonesian citizens and/or Indonesian legal entities, local governments, or partnerships between Indonesian citizens or Indonesian legal entities and local governments. The MSME sector has advantages and is very potential to be further developed through appropriate policies and support from appropriate institutions. The main problem faced by the MSME sector is in the form of capital. Data collection techniques are a method used by researchers to capture or collect qualitative information from interviews, documentation, research observations. The intermediary role of BPRS Amanah Ummah carried out by the bank does not yet exist, however, BPRS Amanah Ummah continues to help the community in order to meet their needs and provide subsidized housing to the poor and also distribute tabarru funds "such as zakat, infaq and shodaqoh. The Influence of the Murabahah Financing Intermediation Function of BPRS Amanah Ummah on the Welfare of MSME Actors in West Bogor through family, deliberation, and negotiation through customer summons or warning letters, rescheduling, and selling "together" collateral. Because according to BPRS Amanah Ummah, it does not take long and the costs incurred are relatively cheaper. The results of research that has been tested using the t test analysis technique explain that there is an influence of BPRS financing on the growth of West Bogor