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primary topic: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA

HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA
type: Thesis
type: Article
abstract: One rapidly developing form of fintech is Peer-to-Peer (P2P) Lending, a technology-based financial service that directly connects fund providers and fund recipients through internet-based electronic systems. In the context of Sharia-based services, P2P Lending is regulated through the application of Sharia contracts (akad) throughout all transactional processes. In practice, there are two main regulatory references: DSN-MUI Fatwa No. 117/DSN-MUI/II/2018 and the Financial Services Authority Regulation (POJK) No. 10/POJK.05/2022. However, a significant difference exists between them regarding the scope of financing. DSN-MUI Fatwa No. 117 limits financing solely to productive purposes, in line with Sharia principles that encourage business activities and discourage consumptive practices. In contrast, POJK No. 10/2022, Article 25 paragraph (1), allows financing for both productive and multipurpose needs, without explicitly differentiating between Sharia and conventional principles. This study is a normative legal research with a descriptive-analytical nature, aimed at describing regulations related to Sharia-based P2P Lending. The approach used is the statute approach, conducted through a study of applicable laws and legal principles. Primary data were obtained from official regulations, including OJK regulations and DSN-MUI fatwas, while secondary data were derived from books, journals, scholarly articles, and other supporting documents. The research objects include OJK Regulation No. 10 of 2022 and DSN-MUI Fatwa No. 117 of 2018. Data collection was conducted systematically through library research, and the theoretical framework employed is the theory of authority, which serves to analyze the relationship between formal regulations and the practice of Sharia-based P2P Lending. The study finds that the differences in the regulation of consumptive financing between POJK No. 10 of 2022 and DSN-MUI Fatwa No. 117/2018 create legal disharmony in the implementation of Sharia …
date: 2025-08-04
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
has version: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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has document: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
subject: 297.488 Fatwa Ulama

HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
type: Document
has file: 23203011134_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 23203011134 Anisa Fitri, S.H.
type: Person
given name: NIM.: 23203011134
family name: Anisa Fitri, S.H.

HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
is volatile version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
is volatile version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
is volatile version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
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is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
is volatile version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Other)
type: Document
is version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
is volatile version of: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA (Text)
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primary topic: HARMONISASI HUKUM DALAM PENYELENGGARAAN PEER TO PEER LENDING SYARIAH DI INDONESIA

297.488 Fatwa Ulama
type: Concept