PRAKTIK PENGHASILAN UANG MENGGUNAKAN APLIKASI NEOBANK DALAM PERSPEKTIF FIQIH MUAMALAH

Masruri Haya Dwisiswandari, NIM.: 18103080088 (2023) PRAKTIK PENGHASILAN UANG MENGGUNAKAN APLIKASI NEOBANK DALAM PERSPEKTIF FIQIH MUAMALAH. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Technology advancements have also impacted the banking sector through the presence of digital banks. A digital bank is a bank that carries out business activities entirely digitally, such as Neobank. In addition to its primary function as a digital bank application, Neobank also innovates by holding gamification features. Along with financial services, gamification took the shape of coin collection features, transaction cashback, and numerous promotions. Many people utilize these features and promotions as a means of earning money. The rise of using parts and promotions in the Neobank banking service application as a money-maker is an interest for the author further to examine this phenomenon from an Islamic Law perspective. This research will analyze the phenomenon using the ju'a̅lah contract theory. The study in this research is conducted directly in the field (field research) using a qualitative approach. Data were obtained from primary and secondary data sources with data collection techniques of observation, questionnaires, and documentation. Data processing of the research results that have been collected had been researched and analyzed to produce analytical descriptive data. The findings of this study demonstrated that the Neobank money-making strategy proceed using features of Invite Friends, Neo World, Cashback Transfer, also Cashback from Top Up and Bill Payments. This money-making strategy satisfies the conditions and constituents of akad ju'alah. Additionally, the ju'alah contract is devoid of aspects that are forbidden in muamalah activities maysir (gambling), gharar, and riba. Therefore, the practice of earning money through the Neobank application is legal and may be carried out in accordance with the terms of the Ju'alah contract.

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