Masile:Jurnal Studi Ilmu Keislaman
Vol 7 No 1 (2026): Masile Jurnal Studi Ilmu Keislaman

Asimetri Informasi dan Moral Hazard dalam E-Commerce: A Systematic Literature Review dalam Perspektif Ekonomi Islam

Hagi Andhika (Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia,)
Fakhri Ahmad Zainunnuri (Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia,)
Sri Rokhlinasari (Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia)
Alvien Septian Haerisma (Universitas Islam Negeri Siber Syekh Nurjati Cirebon, Indonesia)



Article Info

Publish Date
27 Jun 2026

Abstract

This study aims to analyze the phenomena of information asymmetry and moral hazard in e-commerce through a Systematic Literature Review (SLR) approach from an Islamic economics perspective. The rapid growth of e-commerce, particularly social commerce, has increased consumers’ reliance on digital information such as ratings, reviews, and product reputation, which do not always reflect actual product quality. This condition leads to information asymmetry between sellers and buyers and creates opportunities for moral hazard behavior, including the manipulation of reviews, ratings, and product information. This research employs a qualitative method using an SLR approach based on the PRISMA framework to select relevant literature published between 2021 and 2025. The data are analyzed using thematic analysis to identify keythemes related to information asymmetry, moral hazard, their impact on consumer behavior and market efficiency, and the perspective of Islamic economics. The findings indicate that information asymmetry is the primary factor causing market distortion, while moral hazard emerges as a consequence of weak transparency and monitoring in digital systems. These phenomena contribute to decreased consumer trust, distorted perceptions of product quality, and market inefficiency. From an Islamic economics perspective, such practices contradict the principles of honesty, transparency, and fairness, and can be categorized as forms of gharar (uncertainty) and tadlis (fraudulent misrepresentation). This study concludes that integrating conventional economic approaches with Islamic economic principles is essential to develop a digital ecosystem that is not only efficient but also just and sustainable. Keywords: Information Asymmetry, Moral Hazard, E-Commerce, Islamic Economics, Systematic Literature Review

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Journal Info

Abbrev

masile

Publisher

Subject

Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

Description

OCUS MASILE: Journal of Islamic studies emphasizing Contemporary Islamic studies in Indonesia, Southeast Asia, and a Global Perspective with a multidisciplinary approach SCOPE This journal specializes in studying the theory and practice of various topics of Islamic studies, specifically Islamic ...