@phdthesis{digilib71973,
           month = {June},
           title = {PERLINDUNGAN KONSUMEN TERHADAP HILANGNYA UANG ELEKTRONIK DITINJAU DARI HUKUM POSITIF DAN HUKUM ISLAM PADA APLIKASI DANA},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 21103080043 Isnaeni Rokhima},
            year = {2025},
            note = {Farrah Syamala Rosyda, M.H.},
        keywords = {Perlindungan Konsumen, Uang Elektronik, Hukum Positif, Hukum Islam},
             url = {https://digilib.uin-suka.ac.id/id/eprint/71973/},
        abstract = {Electronic money is a form of electronic payment where the monetary value is stored on a specific electronic medium. Users of electronic money must first deposit their funds with the issuer and store them on an electronic medium in order to use them for transactions. Digital payment apps like DANA have become a popular choice for people to make various transactions quickly and easily. The convenience they offer has attracted many consumers, including in Indonesia. However, behind this convenience lie challenges related to data security and consumer rights protection, especially when money is lost within the application. From this, two main issues arise: first, how legal protection is provided for electronic money consumers. Second, how consumer protection against the loss of electronic money in the DANA application is implemented, as viewed from both positive law and Islamic law.
This type of research is field research with a legal-empirical approach. Data collection techniques include interviews, questionnaires, and documentation. Interviews were conducted with sources from the Cyber Crime Unit of the Yogyakarta Regional Police and members of the Yogyakarta City Consumer Protection Board, as well as the distribution of questionnaires to 358 respondents who are users of the DANA app. The data obtained were analyzed using descriptive analytical methods, then examined using the theoretical framework of legal protection, consumer protection, and dhaman.
The research results show that legal protection for electronic money users is divided into two forms: preventive, aimed at preventing future problems, and repressive, aimed at resolving existing problems. Furthermore, the implementation of consumer protection against the loss of electronic money in the application, as reviewed under positive law, has not fully complied with the provisions of Articles 4, 7, and 19 of Law No. 8 of 1999 on Consumer Protection. Additionally, the implementation of consumer protection against the loss of electronic money in the application, as reviewed under Islamic law, indicates that the responsibility for losses has not been fully fulfilled by the DANA application, as the majority of users have not received a fair resolution.}
}