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Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance serta Implementasinya dalam Produk Perbankan Syariah

Al-Manahij: Jurnal Kajian Hukum Islam · Vol. 12 No. 2 (2018) · hlm. 247–262

DOI
10.24090/mnh.v12i2.1759
ISSN
2579-4167, 1978-6670
Terbit
2018-12-05
Penerbit
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The presence of fintech in the form of crowdfunding with sharia principles can increase financing in Islamic banking. The concept of Islamic crowdfunding must basically be guided by the Qur'an and the Sunnah. This is in accordance with the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI) Number 117 / DSN-MUI / II / 2018. Referring to the Fatwa of the DSN-MUI, sharia crowdfunding in its implementation must be in accordance with Islamic law. The suitability of Islamic law with the concept of sharia crowdfunding can be seen from the perspective of shariah compliance, which must be free from gambling (maysīr), usury (ribā), fraud (gharar) and wrongdoers (ẓālim). Sharia crowdfunding can have at least two types of contracts in the transaction, musyārakah and qarḍ. The two contracts must fulfill their respective terms and conditions so that the contract implemented can be considered valid. Problems that are often faced in implementing crowdfunding are in terms of legality and security. The problem of the law regarding the practice of sharia crowdfunding needs to be monitored by the National Sharia Board in order to conform to sharia so that people do not hesitate to invest through the sharia crowdfunding platform.

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  • Universitas Nusa Mandiri
  • Diponegoro University
  • Indonesian Institute of Sciences
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Rekan penulisOrganisasiArtikel bersama
Windu GataUniversitas Nusa Mandiri1
Risnandar RisnandarIndonesian Institute of Sciences1
Fakhrudin FakhrudinAfiliasi tidak diketahui1
Mohamad NoorUniversitas Nusa Mandiri1

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Sumber metadata: OAI-PMH (metadata jurnal) https://ejournal.uinsaizu.ac.id/index.php/almanahij/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance serta Implementasinya dalam Produk Perbankan Syariah</dc:title>
	<dc:creator xml:lang="en">Novitarani, Anisah</dc:creator>
	<dc:creator xml:lang="en">Setyowati, Ro’fah</dc:creator>
	<dc:subject xml:lang="en">Islamic Banking</dc:subject>
	<dc:subject xml:lang="en">fintech</dc:subject>
	<dc:subject xml:lang="en">sharia crowdfunding</dc:subject>
	<dc:subject xml:lang="en">Islamic principles</dc:subject>
	<dc:subject xml:lang="en">Islamic  finance</dc:subject>
	<dc:description xml:lang="en">The presence of fintech in the form of crowdfunding with sharia principles can increase financing in Islamic banking. The concept of Islamic crowdfunding must basically be guided by the Qur'an and the Sunnah. This is in accordance with the Fatwa of the National Sharia Council-Indonesian Ulama Council (DSN-MUI) Number 117 / DSN-MUI / II / 2018. Referring to the Fatwa of the DSN-MUI, sharia crowdfunding in its implementation must be in accordance with Islamic law. The suitability of Islamic law with the concept of sharia crowdfunding can be seen from the perspective of shariah compliance, which must be free from gambling (maysīr), usury (ribā), fraud (gharar) and wrongdoers (ẓālim). Sharia crowdfunding can have at least two types of contracts in the transaction, musyārakah and qarḍ. The two contracts must fulfill their respective terms and conditions so that the contract implemented can be considered valid. Problems that are often faced in implementing crowdfunding are in terms of legality and security. The problem of the law regarding the practice of sharia crowdfunding needs to be monitored by the National Sharia Board in order to conform to sharia so that people do not hesitate to invest through the sharia crowdfunding platform.</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto</dc:publisher>
	<dc:date>2018-12-05</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uinsaizu.ac.id/index.php/almanahij/article/view/1759</dc:identifier>
	<dc:identifier>10.24090/mnh.v12i2.1759</dc:identifier>
	<dc:source xml:lang="en">Al-Manahij: Jurnal Kajian Hukum Islam; Vol. 12 No. 2 (2018); 247-262</dc:source>
	<dc:source>2579-4167</dc:source>
	<dc:source>1978-6670</dc:source>
	<dc:source>10.24090/mnh.v12i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejournal.uinsaizu.ac.id/index.php/almanahij/article/view/1759/1339</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2018 Anisah Novitarani</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>