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TINJAUAN HUKUM ISLAM TERHADAP PENGGUNAAN APLIKASI DANA
The DANA application is a contemporary application that provides ease of use so that the development of this application is able to become the top rating in supporting today's banking world. The practice in implementing the DANA application in question uses the term top-up where application users will fill in money on the application as a form of storage so that the application will store all funds along with the transaction history made in the DANA application. The DANA application is used by them from various levels of society in carrying out their business activities, both in the form of business and other equivalent transactions such as in mulah or buying and selling, the DANA application facilitates prepaid credit payments, electricity bills, PDAM and the like, all of which are processed with the term top-up for its users. The DANA application used often uses the Wakālah contract where the Wakālah contract itself is an act of granting power of attorney to the recipient of the power of attorney to carry out a transaction. The type of research conducted by the author is library research, with a descriptive-analytical method and a normative legal approach. The data collection technique used is a qualitative analytical technique by collecting data then describing, classifying and analyzing issues related to the problems to be studied in depth and comprehensively. Based on the analysis conducted through three main theories in Islamic law: the theory of buying and selling, the theory of al wadi'ah, and the theory of al Wakālah. Theory of Buying and Selling: The DANA application fulfills the principles of buying and selling transactions in Islam. The balance obtained through top-ups in the DANA application is in accordance with the amount of money exchanged and used for transactions at merchants collaborating with DANA. So this shows that the use of digital money in DANA is permissible according to sharia because it is in accordance with the principles of justice and mutual consent. Al Wadi'ah Theory: Balance top-up transactions in DANA use the wadi'ah contract, which is a money deposit. In this case, DANA users (muwaddi') entrust money to the application organizer (mustauda'), who then stores and maintains the funds according to the provisions. The study found that the use of digital wallets in the DANA application is in accordance with the principles of the wadi'ah contract as long as there is no fraud. Al Wakalah Theory: Top up DANA balance through outlets such as Alfamart involves a waka„lah contract, where the user (muwakil) gives power to the cashier (wakil) to make a top up. Research confirms that this practice is in accordance with the pillars and conditions of the Wakālah contract, ensuring the validity of the top up transaction. The digital wallet on the DANA application is in accordance with the principles of Islamic law.
FAKULTAS SYARI'AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
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