TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENERAPAN PSP MOBILE DALAM PENGGUNAAN DIGITALISASI SISTEM PEMBAYARAN CASHLESS DI PONDOK PESANTREN MUMTAZ IBADURRAHMAN

Nurul Badriyah, S.H, NIM.: 23203011181 (2025) TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PENERAPAN PSP MOBILE DALAM PENGGUNAAN DIGITALISASI SISTEM PEMBAYARAN CASHLESS DI PONDOK PESANTREN MUMTAZ IBADURRAHMAN. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The cashless payment system in Indonesia has been widely adopted by society. This development is in line with the rapid advancement of time and technology. The Sekolah Pintar Platform (PSP Mobile) is one of the non-cash payment applications implemented in educational institutions. Within this application, electronic money is issued by Bank Syariah Indonesia. The regulations governing electronic money are stipulated in Fatwa DSN-MUI No. 116 of 2017 and Bank Indonesia Regulation No. 20/6/PBI/2018. However, in the context of Islamic economics, digital payment systems need to be examined from the perspective of Islamic economic law to ensure their compliance with the principles of sharia, such as justice, balance, public benefit (maṣlaḥah), and freedom from elements of riba, gharar, and maisir. The research method employed in this study is field research with a qualitative approach using a juridical-empirical framework. Data were collected through observation, documentation, and interviews. The sources of data consist of both primary and secondary data. Primary data were obtained from interviews with officials of Bank Syariah Indonesia, KC Tangerang, and the management of Pondok Pesantren Mumtaz Ibadurrahman, while secondary data were derived from books, articles, websites, regulations, Fatwa’s DSN-MUI, and literature related to Islamic economic law. The analysis was conducted through descriptive-analytical methods, by examining the implementation of PSP Mobile and assessing it in relation to the theory of qard contracts as well as sharia principles in accordance with Islamic economic law. The findings of the research indicate that the implementation of PSP Mobile at Pondok Pesantren Mumtaz Ibadurrahman is carried out in two ways: first, through an automatic method, where users independently complete their payments from top-up to settlement; and second, via the website system, operated by the administrative treasurer or pondok administrators. From the perspective of Islamic economic law, the contractual mechanism applied in PSP Mobile is deemed valid and in accordance with sharia principles, provided that no additional fees of a riba nature are imposed and that contractual clarity is ensured among users, the application provider, and the Islamic bank. Nevertheless, the application bears the potential for gharar katsir (excessive uncertainty), as it indicates ambiguities regarding the identity of parties and contractual relationships, the object of transactions, the fee structure, as well as the mechanisms for resolving failed settlements, disputes, and chargebacks.

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