Black-or-White of Online Lending in Indonesia: Conventional Platform or Sharia Scheme (A Netnography Study)
Abstract
The numbers of Islamic fintech online loans providers continue to grow during the Covid-19 outbreak. The goal of this research is to look into Islamic fintech-based online loan transactions from an Islamic law and accounting perspective. This study used the interpretive netnography approach, with documentation technique serving as the data collection method, and explanation building tact as the data analysis method. This study found that the use of conventional online loan schemes was having negative consequences, such as an increase in occurrences of despair and suicide among borrowers. Sharia fintech, through its profitless online lending scheme, may reduce the bad effects of the conventional scheme. From the praxis perspective, this research aids to raise public knowledge on avoiding the use of unlawful conventional online loan mechanism. In the future, this research is expected to improve the development of online loans and Islamic fintech research.
Keywords: Islamic fintech, netnography, accountability, p2p lending, sharia financial accounting
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References
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Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending Berbasis Syariah Di Indonesia. TAWAZUN : Journal of Sharia Economic Law, 1(2), 116. https://doi.org/10.21043/tawazun.v1i2.4979
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Cahyadi, A. (2014). Mengelola Hutang Dalam Perspektif Islam. Jurnal Bisnis dan Manajemen, 4(1), 67–78.
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Hidayat, R. T., & Qadri, R. A. (2020). Penyediaan Barang Kepemilikan Total Milik Negara Berbasis Biaya. 7(2), 88–95.
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3), 326–333. https://doi.org/10.29040/jiei.v5i3.578
Jenner, P. (2016). Social enterprise sustainability revisited: an international perspective. Social Enterprise Journal, 12(1), 42–60. https://doi.org/10.1108/SEJ-12-2014-0042
Kamaruddin, M. I. H., & Auzair, S. M. (2020). Measuring ‘Islamic accountability’ in Islamic social enterprise (ISE). International Journal of Islamic and Middle Eastern Finance and Management, 13(2), 303–321. https://doi.org/10.1108/IMEFM-04-2018-0134
Kamayanti, A. (2016). Metodologi Konstruktif Riset Akuntansi: Membumikan Religiositas (A. D. Mulawarmam (ed.); Pertama). Yayasan Rumah Peneleh.
Kamayanti, A. (2020). Metodologi Penelitian Kualitatif Akuntansi Pengantar Religiositas Keilmuan (A. D. Mulawarman (ed.); Pertama). Penerbit Peneleh.
Kozinets, R. V. (2010). Netnography: Doing ethnographic research online (First). SAGE Publications Ltd. https://doi.org/10.2501/S026504871020118X
Kristina, A. (2021). [Hyper] Love, Meneropong CInta & Fanatisme Army melalui Netnografi (A. I. Kusdewanti (ed.); Pertama). Penerbit Peneleh.
Miskam, S., Yaacob, A. M., & Rosman, R. (2019). Fintech and Its Impact on Islamic Fund Management in Malaysia: A Legal Viewpoint. Emerging Issues in Islamic Finance Law and Practice in Malaysia, 223–246. https://doi.org/10.1108/978-1-78973-545-120191019
Mujahidin, M. (2019). Opportunities and Challenges of Sharia Technology Financials in Indonesia. Economic Policy, 2116, 0–33.
Mulawarman, A. D., Kamayanti, A., Kristina, A., Sumail, L. O., Lutfillah, N. Q., & Hamidah. (2021). Netnography: Understanding to Constructing Social Reality (F. S. Anggraini (ed.); Pertama). Penerbit Peneleh.
Noor, N. S. M., Shafiai, M. H. M., & Ismail, A. G. (2019). The derivation of Shariah risk in Islamic finance: a theoretical approach. Journal of Islamic Accounting and Business Research, 10(5), 663–678. https://doi.org/10.1108/JIABR-08-2017-0112
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Otoritas Jasa Keuangan (OJK). (2021b). Statistik Fintech Lending Periode Desember 2021. Statistik Fintech. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Desember-2021.aspx
Panginan, E. K., & Irwansyah. (2020). Fenomena Aplikasi Kredit dan Pinjaman Online Kredivo di Indonesia. Komunikasi dan Kajian Media Karya, 4, 15.
Qadri, R. A. (2019). Menakar model pembelian langsung rumah negara di indonesia. Jurnal Pajak dan Keuangan Negara, 1(1), 1–20.
Qadri, R. A., & Firmansyah, A. (2020). the Polyvocality in Action: Embodying the Epiphany on Public Housing Conundrum. Humanities & Social Sciences Reviews, 8(4), 1396–1417. https://doi.org/10.18510/hssr.2020.84130
Qadri, R. A., & Jauhari, R. (2020). Desain Kerangka Konseptual Balanced Score Card pada Lembaga Riset Pemerintah. Jurnal Pajak dan Keuangan Negara, 2, No.1, 19–37. http://www.aeaweb.org/jel/guide/jel.php]
Rachmat, M. (2019). Tinjauan Hukum Islam Tentang Hutang Piutang Secara Online. Universitas Islam Negeri Raden Intan Lampung, 8(2), 2019. https://doi.org/10.22201/fq.18708404e.2004.3.66178
Ratriani, V. (2021). Daftar 86 perusahaan pinjol ilegal terbaru per April 2021 menurut OJK. www.kontan.co.id. https://keuangan.kontan.co.id/news/daftar-86-perusahaan-pinjol-ilegal-terbaru-per-april-2021-menurut-ojk
Roro, F. S. R., & Shomad, A. (2018). The Maslahah Principle against Sharia Financial Technology in Indonesia. Proceedings of the 2nd International Conference Postgraduate School, 1, 111–120. https://doi.org/10.5220/0007538501110120
Rusydiana, A. S. (2018). Developing Islamic Financial Technology in Indonesia. Hasanuddin Economics and Business Review, 2(2), 123–141. https://doi.org/10.26487/hebr.v
Santoso, G., & Soeherman, B. (2021). Leanovation Sebagai Revolusi Akuntansi Manajemen Pada Sistem Crowdfunding. Jurnal Akuntansi Multiparadigma, 12(2), 1–22. https://doi.org/10.21776/ub.jamal.2021.12.2.19
Saputra, A. S. (2019). Peer To Peer Lending Di Indonesia Dan Beberapa Permasalahannya. Veritas et Justitia, 5(1), 238–261. https://doi.org/10.25123/vej.3057
Sitompul, M. G. (2019). Urgensi Legalitas Financial Technology (Fintech): Peer To Peer (P2P) Lending Di Indonesia. Jurnal Yuridis Unaja, 1(2), 68–79. https://doi.org/10.35141/jyu.v1i2.428
Suryono, R. R., Purwandari, B., & Budi, I. (2019). Peer to Peer (P2P) Lending Problems and Potential Solutions: A Systematic Literature Review. Procedia Computer Science, 161(1), 204–214. https://doi.org/10.1016/j.procs.2019.11.116
Tjandra, A. (2020). Kekosongan Norma Penentuan Bunga Pinjaman Financial Technology Peer To Peer Lending. Jurnal Hukum Bisnis Bonum Commune, 3(1), 90–103. https://doi.org/10.30996/jhbbc.v3i1.3077
Triyuwono, I. (2004). The Islamic Perspective on The Construction of Accounting Discipline. Gadjah Mada International Journal of Business, 6(1), 131. https://doi.org/10.22146/gamaijb.5534
Tuasikal, M. A. (2010). Manusia Tidak Pernah Merasa Puas dengan Harta.
Wahyuni, R. A. E., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal Dalam Bentuk Pinjaman Online Ditinjau Dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379–391. https://doi.org/10.14710/jphi.v1i3.379-391
Wasantari, P. T., & Qadri, R. A. (2021). The Garut Gate: COVID-19 Pandemic, Social Aid Turnmoil, and Government Warfare. Ekombis Sains: Jurnal Ekonomi, Keuangan, dan Bisnis, 6(1), 1–17.
Wijaya, R. Y. (2020). FoSSEI Podcast #1 - Fintech Syariah Bersama Ronald Yusuf Wijaya (Ketua AFSI). FOSSEI Nasional. https://www.youtube.com/watch?v=IT6AajBANXk
Wiyono, S., & Maulamin, T. (2013). Memahami Akuntansi Syariah di Indonesia (Edisi Revi). Penerbit Mitra Wacana Media.
Wulandari, F. E. (2018). Peer To Peer Lending Dalam POJK, PBI dan Fatwa DSN MUI. Ahkam: Jurnal Hukum Islam, 6(2). https://doi.org/10.21274/ahkam.2018.6.2.241-266
Yarli, D. (2018). Analisis Akad Tijarah pada Transaksi Fintech Syariah dengan Pendekatan Maqshid. YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam, 9(2), 1–13. https://doi.org/10.21043/yudisia.v9i2.4766
Yin, R. K. (2018). Case Study Research and Applications (6 ed.). SAGE Publications, Inc.
Yolanda, D. (2016). Akuntansi Pembiayaan Qardh Menurut PSAK Nomor 59 di BPRS Metro Madani. In Sekolah Tinggi Agama Islam Negeri (STAIN) Jurai Siwo Metro (Vol. 53, Nomor 9).
Yuono, S. (2021). Ini Langkah Hukum Bila Penagihan Pinjol Sudah Kelewatan.
Zakiyah, A. (2019). Analisis Hukum Islam Terhadap Mekanisme Kredit Online Menurut Pandangan Ahmad Zahro. Universitas Islam Negeri Sunan Ampel Surabaya.
Published
2022-07-27
How to Cite
QADRI, Resi Ariyasa; NABILAH, Iffah; AMBARWATI, Ria Dewi.
Black-or-White of Online Lending in Indonesia: Conventional Platform or Sharia Scheme (A Netnography Study).
Jurnal Ilmiah Akuntansi dan Bisnis, [S.l.], v. 17, n. 2, p. 184-200, july 2022.
ISSN 2303-1018.
Available at: <https://ojs.unud.ac.id/index.php/jiab/article/view/82234>. Date accessed: 21 nov. 2024.
doi: https://doi.org/10.24843/JIAB.2022.v17.i02.p01.
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Section
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