relation: https://digilib.uin-suka.ac.id/id/eprint/79643/
title: ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK CROWDFUNDING SEBAGAI ALTERNATIF PEMBIAYAAN BAGI UMKM DI INDONESIA (STUDI KASUS PADA PLATFORM CROWDFUNDING SHAFIQ.ID)
creator: Bella Zahra Irawan, NIM.: 19103080010
subject: 343.07 Hukum Ekonomi
description: This research aims to analyze the practice of Crowdfunding as an alternative source of financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through the Shafiq.id Islamic Crowdfunding platform from the perspective of Islamic Economic Law. This research is motivated by rapid growth of MSMEs in Indonesia, which is accompanied by an increasing need for financing sources that are accessible, secured and compliant with Islamic principles. Islamic Crowdfunding has emerged as an alternative financing mechanicm that connects parties in need of funds with members of the public as fund providers through a digital technology-based platform. This study focuses on three main research problems: first, how the concept and practice of Crowdfunding on Shafiq.id are viewed from the perspective of Islamic Economic Law. What factors influence MSMEs interest in using Islamic Crowdfunding services on the Shafiq.id platform,. And how Crowdfunding is managed on the Shafiq.id platform.  This study employs aa qualitative approach using a descriptive-analytical method. The data and information were obtained from various primary and secondary sources, including literature, laws, and regulations, government policies, and case studies related to the implementation of Crowdfunding within the context of Islamic Economics in Indonesia. The primary and secondary data include laws and regulations, fatwas issued by the Natinal Sharia Board of the Indonesian Ulema Council (DSN-MUI), Islamic Economic Law literature, and information related to the implementation of Crowdfunding on Shafiq.id The analysis of Islamic Economic Law was conducted to evaluate the compatibility of Crowdfunding practices with Sharia principles, such as the prohibition of riba (interest), gharar (uncertainty), maysir (gambling), and haram (prohibited activities). Furthermore, the study also examines the role and challenges faced by alternative financing model for MSMEs. The finding indicate that Shafiq.id has implemented Crowdfunding practices in accordance with Islamic Economic Law by utilizing Sharia Compliant Shares and Sukuk, as well as contracts such as Mudharabah, Musyarakah, Wakalah, and Qardh.  These practices have proven to provide halal, transparent, and easily accessible finacing alternatives for MSMEs. From the perpective of Islamic Economic Law, Shafiq.id has fulfilled the prohibition of riba, reduced elements of gharar through clear business prospectuses, and applied the principle of justice through transparent financial reporting and profit-sharing based on agreed contracts. This research is expected to provide deeper insight into the compatibility of Crowdfunding practices with Islamic Economic principles and to offer recommendations for the government and Islamic financial institutions to develop regulations that facilitate the growth of Crowdfunding as a safe, reliable, and Sharia-compliant financing source for MSMEs in Indonesia.
date: 2026-08-28
type: Thesis
type: NonPeerReviewed
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/79643/1/19103080010_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
format: text
language: id
identifier: https://digilib.uin-suka.ac.id/id/eprint/79643/2/19103080010_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf
identifier:   Bella Zahra Irawan, NIM.: 19103080010  (2026) ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK CROWDFUNDING SEBAGAI ALTERNATIF PEMBIAYAAN BAGI UMKM DI INDONESIA (STUDI KASUS PADA PLATFORM CROWDFUNDING SHAFIQ.ID).  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.