TINJAUAN FIQIH TERHADAP SISTEM KREDIT ONLINE

Abstract

The demands of the many necessities of life that must be met, which sometimes exceed one's living income, often result in a person choosing a way to make a loan to meet these needs, whether it is formally borrowing through banks or other loans. Along with the development of technology, there are now many applications that provide convenience in online lending and borrowing transactions. Practicality without knowing the place, time and being able to use existing platforms makes interest in using these online loan services increasingly rampant. However, is the agreement contained in the agreement and the nature of the agreement in accordance ccordance with the rules of Islamic agreement law considering that online loans, which are also called fintech (financial technology) are financial services in the form of loans and their application uses internet network information technology, where agreements are made without direct meetings between the lender and the borrower. In order to study further academically, a qualitative method with a descriptive approach was used by describing the law of qiradh in fiqh mu'amalah and the source of data obtained from the Fatwa of the National Sharia Council of the Indonesian Ulema o Council Number: 117/DSN-MUI/II/2018 concerning Service-Based Financing Information Technology Based on Sharia Principles, in addition to the results of the 2021 MUI Ulama Ijtima and other legal rules that have been issued as other general guidelines. Through this research, it is certainly hoped that the public can increase knowledge related to online lending and borrowing transactions according to the rules of Islamic contract law.