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PERLINDUNGAN KONSUMEN ATAS PENOLAKAN PEMBAYARAN TUNAI OLEH PELAKU USAHA (ANALISIS HUKUM POSITIF INDONESIA DAN SYSTEMS APPROACH MAQASID ASY-SYARI’AH JASSER AUDA)
The strategic policies of the National Non-Cash Movement (GNNT) and various digitization initiatives initiated by the government demonstrate a systemic commitment to promoting the use of electronic payment instruments. The cashless-only phenomenon has emerged as a growing trend in various economic sectors, creating a paradox of legal complexity because it contradicts Law No. 7 of 2011 concerning Currency, the Consumer Protection Law, and PBI No. 17 of 2015 concerning the Obligation to Use the Rupiah. Therefore, this study aims to analyze how positive law in Indonesia and contemporary maqāṣid asy-syarī‘ah address the consumer protection issues caused by these practices. This study uses a qualitative method with a juridical-normative approach and uses a legislative approach with consumer protection theory and Jasser Auda's maqāṣid asy-syarī‘ah theory (systems approach). This study will analyze the form of consumer protection in Indonesia in positive law against the refusal of cash payments by business actors in the era of payment digitalization and the relevance of Jasser Auda's Systems Approach Maqāṣid asy-Syarī‘ahi formulating consumer protection against cashless-only practices by business actors. The results of the study show that consumer protection in dealing with cashless-only practices in Indonesia is not yet optimal, due to the weak enforcement of sanctions for violations of the Currency Law and the absence of explicit norms in the CPL regarding the right to choose a payment method. Jasser Auda's Systems Approach Maqāṣid asy-Syarī‘Ah is considered relevant for formulating a more inclusive and adaptive consumer protection policy model because it is able to view issues comprehensively and respond to the dynamics of economic digitalization.
FAKULTAS SYARIAH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
PERLINDUNGAN KONSUMEN ATAS PENOLAKAN PEMBAYARAN TUNAI OLEH PELAKU USAHA (ANALISIS HUKUM POSITIF INDONESIA DAN SYSTEMS APPROACH MAQASID ASY-SYARI’AH JASSER AUDA) (Text)
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