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Sirajuddin
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sirajuddinroy@gmail.com
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+6285242781136
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laamaisyir@uin-alauddin.ac.id
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Jl.H.M.Yasin Limpo No. 36 Samata, Gowa, Sulawesi Selatan
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Laa Maisyir Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 24769371     EISSN : lamaisyir     DOI : https://doi.org/10.24252/laamaisyir
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Laa Maisyir adalah jurnal ekonomi Islam yang fokus kajian tentang pemikiran ekonomi syariah yang mencakup beberapa bidang kajian seperti jual beli, sewa, gadai, bagi hasil, serta perkembangan transaksi ekonomi seperti jual beli e-commers. Sehingga jurnal ini diharapkan mampu memberikan khasanah pemikiran ekonomi Islam yang uptudate atau kekinian.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 171 Documents
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Illegal Online Loans: Between Community Needs and the Weakness of Sharia Financial Literacy Sirajuddin; Rahman, Fahrur; Ramli, Bustam
LAA MAISYIR: Jurnal Ekonomi Islam Vol.11 No. 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Access to Islamic financial services in Indonesia remains very limited. In fact, Islamic finance has a large market share across industries such as microfinance, small and medium enterprises, and retail lending. This condition has encouraged the rise of online loans as an alternative source of quick funding for business actors without considering the risks or Sharia compliance. This study aims to analyze the motives behind illegal online borrowing and the low level of Sharia financial literacy among community members. This study uses a qualitative approach with a case study design. Primary data were collected through interviews with individuals who have previously used illegal online loan services. The findings show that residents of Makassar, Maros, and Gowa generally admitted that they used online loans because the process was extremely easy, fast, and required fewer documents compared to banks. They also stated that they were not familiar with Sharia-compliant lending platforms and did not know how to distinguish between Sharia and non-Sharia online loan services. Thus, it can be concluded that transactions involving online loans in these regions are largely driven by low literacy in Islamic finance and by a consumerist lifestyle.

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