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Principle 5 C in The Practice of Peer to Peer Lending (P2P) Financial Technology in The Perspective of Business Ethics and Islamic Justice

Jurnal IUS (Kajian Hukum dan Keadilan) · Vol. 10 No. 2 (2022) · hlm. 316–326

DOI
10.29303/ius.v10i2.1019
ISSN
2477-815X, 2303-3827
Terbit
2022-08-31
Penerbit
Magister of Law, Faculty of Law, University of Mataram
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Non-bank financial service actors in the era of the COVID-19 pandemic made a breakthrough by creating fintech (Financial technology) through the development of Peer Peer Lending (P2P) or online loans. The purpose of this study is to analyze the implementation of 5C principles in the practice of peer-to-peer lending Fintech based on a review of Islamic business ethics. The method used in this research is a normative juridical approach with a descriptive research approach. The data that has been obtained will be arranged systematically for further qualitative analysis. This study concludes that principles and business ethics must be considered with the concept of “The Five C’s Principle of Credit Analysis” in either conventional or sharia systems. In the case of customers who choose a sharia online loan system, they must also pay attention to the ethical aspects of financial business in Islam, which is something that must be considered considering that in Islam, ethical issues are related to the determination of economic policies that will affect the halalness of service and the agreement of the parties.Â

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  • Syarif Hidayatullah State Islamic University Jakarta
  • Universitas Suryakancana
  • Universitas Islam Malang
  • Universitas Islam Bunga Bangsa Cirebon
  • Sunan Gunung Djati State Islamic University Bandung
  • Universiti Sains Islam Malaysia
  • Universiti Brunei Darussalam
  • Organisasi lain
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Rekan penulisOrganisasiArtikel bersama
Reksa JayengsariUniversitas Suryakancana2
Khamami ZadaSyarif Hidayatullah State Islamic University Jakarta2
Isnawati RaisSyarif Hidayatullah State Islamic University Jakarta2
Mohammad Ashraful MobinInternational Centre for Education in Islamic Finance1
Zezen Zainal MuttaqinAfiliasi tidak diketahui1
Jaenal AripinSyarif Hidayatullah State Islamic University Jakarta1
Cucu SolihatUniversitas Suryakancana1
Putri Ananda SakaUniversitas Gadjah Mada1
Titin SamsudinAfiliasi tidak diketahui1
Arhjayati RahimUniversitas Islam Negeri Sultan Amai Gorontalo1
Heru CahyanoAfiliasi tidak diketahui1
Ahmad Hasan RidwanSunan Gunung Djati State Islamic University Bandung1
Irfan SafrudinBandung Islamic University1
Cory VidiatiUniversitas Islam Bunga Bangsa Cirebon1
LathifaturahmahAfiliasi tidak diketahui1
Dini SelasiUniversitas Islam Bunga Bangsa Cirebon1
Shofiatul JannahUniversitas Islam Malang1
Dzulfikar RodlafiUniversitas Islam Malang1
Itsnaini Firdausi Nuzulah SholehUniversitas Islam Malang1
FadilUniversitas Islam Negeri Maulana Malik Ibrahim1
Jamiliya SusantinUniversitas Islam Madura1
Mohammed Ashfaq AyoobUniversity of Helsinki1
Elis Ratna WulanSunan Gunung Djati State Islamic University Bandung1
Mundzeir SupartaSyarif Hidayatullah State Islamic University Jakarta1
Bambang RuswadiSyarif Hidayatullah State Islamic University Jakarta1
Harapandi DahriKolej Universiti Perguruan Ugama Seri Begawan1
Sufiarina SufiarinaUniversitas Tama Jagakarsa1
Adi PrihasmoroAfiliasi tidak diketahui1
Raihanah AbdullahUniversity of Malaya1
Pujiyono PujiyonoDiponegoro University1
Muhammad Ishar HelmiAfiliasi tidak diketahui1
Mara Sutan RambeSyarif Hidayatullah State Islamic University Jakarta1
Muhammad Ishar HelmiSyarif Hidayatullah State Islamic University Jakarta1
Muhammad Shofwan NidzamiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) http://jurnalius.ac.id/ojs/index.php/jurnalIUS/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Principle 5 C in The Practice of Peer to Peer Lending (P2P) Financial Technology in The Perspective of Business Ethics and Islamic Justice</dc:title>
	<dc:creator>Astuti, Hesti Dwi</dc:creator>
	<dc:creator>Sholihah, Cucu</dc:creator>
	<dc:creator>Sahid, Mualimin Mochammad</dc:creator>
	<dc:creator>Ahmad, Abu Umar Faruq</dc:creator>
	<dc:creator>Sopyan, Yayan</dc:creator>
	<dc:creator>Husaeni, Uus Ahmad</dc:creator>
	<dc:subject xml:lang="en-US">Five C`s Principle</dc:subject>
	<dc:subject xml:lang="en-US">Credit Analysis</dc:subject>
	<dc:subject xml:lang="en-US">Business Ethics</dc:subject>
	<dc:subject xml:lang="en-US">Loans</dc:subject>
	<dc:subject xml:lang="en-US">Fintech</dc:subject>
	<dc:description xml:lang="en-US">Non-bank financial service actors in the era of the COVID-19 pandemic made a breakthrough by creating fintech (Financial technology) through the development of Peer Peer Lending (P2P) or online loans. The purpose of this study is to analyze the implementation of 5C principles in the practice of peer-to-peer lending Fintech based on a review of Islamic business ethics. The method used in this research is a normative juridical approach with a descriptive research approach. The data that has been obtained will be arranged systematically for further qualitative analysis. This study concludes that principles and business ethics must be considered with the concept of “The Five C’s Principle of Credit Analysis” in either conventional or sharia systems. In the case of customers who choose a sharia online loan system, they must also pay attention to the ethical aspects of financial business in Islam, which is something that must be considered considering that in Islam, ethical issues are related to the determination of economic policies that will affect the halalness of service and the agreement of the parties. </dc:description>
	<dc:publisher xml:lang="en-US">Magister of Law, Faculty of Law, University of Mataram</dc:publisher>
	<dc:date>2022-08-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-Reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnalius.ac.id/ojs/index.php/jurnalIUS/article/view/1019</dc:identifier>
	<dc:identifier>10.29303/ius.v10i2.1019</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal IUS Kajian Hukum dan Keadilan; Vol. 10 No. 2: August 2022 : Jurnal IUS Kajian Hukum dan Keadilan; 316-326</dc:source>
	<dc:source>2477-815X</dc:source>
	<dc:source>2303-3827</dc:source>
	<dc:source>10.29303/ius.v10i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnalius.ac.id/ojs/index.php/jurnalIUS/article/view/1019/pdf_248</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2022 Hesti Dwi Astuti, Cucu Solihah, Mualimin Mochammad Sahid, Abu Umar Faruq Ahmad, Yayan Sopyan,</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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