TINJAUAN HUKUM ISLAM TERHADAP PENGGUNAAN E-MONEY PADA BANK MANDIRI CABANG BULUKUMBA
Abstract
Abstrak
E-Money atau Uang elektronik didefenisikan sebagai alat pembayaran dalam bentuk uang elektronik dimana nilai uangnya disimpan dalam media elektronik tertentu. Pokok masalah penelitian ini adalah Bagaimanakah Produk E-Money Bank Mandiri Cabang Bulukumba dan Bagaimana Ketentuan Hukum Islam Tentang Produk E-Money Bank Mandiri Cabang Bulukumba. Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah yuridis empiris, pendekatan sosiologis dan pendekatan muamalah. Hasil penelitian menunjukkan bahwa Produk E-Money ialah salah satu produk hasil co-branding antara Bank Mandiri dengan Bank Syariah Mandiri. Bank Mandiri hanya sebagai agen penjual kartu E-Money kepada masyarakat luas melalui kantor cabang Bank Mandiri yang tersebar dibeberapa daerah. Dalam penyelenggaraannya, nominal uang elektronik yang ada pada kartu E-Money di simpan di Bank mandiri dan dana tersebut dapat dipakai kapan saja oleh pemegang kartu E-Money bahkan dalam keadaan mendesak. Hal ini dilakukan agar nominal simpanan tersebut terpisah dengan Bank induknya. Dana tersebut juga bukan merupakan dana pihak ketiga, sehingga pihak Bank Mandiri tidak menjadikan dana tersebut sebagai piutang atau kegiatan lainnya menggunakan dana milik pemegang kartu E-Money. Dalam Islam bertransaksi menggunakan produk E-money Bank Mandiri diperbolehkan karena kegiatan bermuamalah menggunakan E-Money terhindar dari larangan riba’, gharar, maisir, tadlis dan israf. Kesyariahannya dapat dilihat dari alur transaksi penukaran uang tunai dengan uang elektronik sama jumlahnya.
Kata Kunci: Alat Pembayaran, Hukum Islam, Uang Elektronik.
Abstract
E-Money or electronic money is defined as a means of payment in the form of electronic money where the value of the money is stored in certain electronic media. The main problem of this research is How is the E-Money Product of Bank Mandiri Bulukumba Branch and How are the Islamic Law Provisions regarding E-Money Products of Bank Mandiri Bulukumba Branch. This type of research is classified as qualitative with the research approach used is empirical juridical, sociological approach and muamalah approach. The results of the study indicate that the E-Money product is one of the products resulting from the co-branding between Bank Mandiri and Bank Syariah Mandiri. Bank Mandiri only acts as an agent for selling E-Money cards to the wider community through Bank Mandiri branch offices spread across several areas. In its implementation, the nominal electronic money contained in the E-Money card is stored at Bank Mandiri and the funds can be used at any time by the E-Money card holder even in urgent circumstances. This is done so that the nominal deposit is separated from the parent bank. These funds are also not third party funds, so Bank Mandiri does not use these funds as receivables or other activities using funds belonging to the E-Money card holder. In Islam, transactions using Bank Mandiri's E-money products are allowed because muamalah activities using E-Money avoid the prohibition of riba', gharar, maisir, tadlis and israf. The sharia can be seen from the flow of cash exchange transactions with the same amount of electronic money.
Keywords: Electronic Money, Islamic Law, Means of Payment.
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