Analisis hukum Islam terhadap praktik menabung emas melalui platform digital dalam perspektif fiqh kontemporer
Abstract
In the era of economic digitalization, saving gold through digital platforms has become an investment that is popular with the public, especially the younger generation. The attraction of this investment lies in the ease of access, flexible savings nominal, and practical transaction features. However, this practice also raises new problems from an Islamic legal perspective, especially regarding the validity of contracts, ownership status and clarity of transaction procedures. This research aims to analyze the law of saving gold through digital platforms from a contemporary fiqh perspective. Researchers used qualitative methods with a normative legal approach to various book literature, journal articles, DSN-MUI fatwas, and goverment regulations that were relevant to the research topic. The research results show that there are differences of opinion among ulama regarding the practice of saving gold via digital platforms. Some scholars forbid it because they consider gold to be wait (a medium of exchange) which must be transacted in cash, while other scholars allow it because gold is valued as sil'ah (goods) that can be traded. As for the development of contemporary fiqh, the practice of digital gold savings can be permitted if it meets sharia principles such as clarity of contract, legal ownership status, taqabudh (handover), at-tamatsul (equivalent), as well as avoiding usury (interest), gharar (vagueness), and maysir (speculation). Thus, there is a need for continuous education for the public and transparency from digital savings service providers in order to maintain trust and conformity to Islamic muamalah principles.
Downloads
References
Arafat, M., & Krismono. (2022). Tinjauan Hukum Islam Terhadap Investasi Emas Online Melalui Tokopedia Emas. At-Thullab : Jurnal Mahasiswa Studi Islam, 4(1), Article 1. https://doi.org/10.20885/tullab.vol4.iss1.art3
Budiantoro, R. A., Sasmita, R. N., & Widiastuti, T. (2018). Sistem Ekonomi (Islam) dan Pelarangan Riba dalam Perspektif Historis. Jurnal Ilmiah Ekonomi Islam, 4(01), Article 01. https://doi.org/10.29040/jiei.v4i01.138
Choudhury, M. A., Rahman, A. A. B., & Hasan, A. (2018). Trade versus riba in the Qurʾān with a critique of the role of bank-saving. International Journal of Law and Management, 60(2), 701–716. https://doi.org/10.1108/IJLMA-03-2017-0021
Dewan Syariah Nasional Majelis Ulama Indonesia. (2010). Fatwa No. 77/DSN-MUI/VI/2010 tentang Jual Beli Emas Secara Tidak Tunai. DSN-MUI.
Faiqah, A., Hidayatullah, S., & Khan, M. D. A. (2024). Pandangan Hukum Ekonomi Syariah Terhadap Produk Tabungan Emas Pada Pegadaian Syariah Kantor Pusat Dan Kesesuaiannya Dengan Fatwa DSN-MUI No.77 Tahun 2010. Al-Zayn : Jurnal Ilmu Sosial & Hukum, 2(2), Article 2. https://doi.org/10.61104/alz.v2i2.294
Hasan, A. F. (2018). Fiqh Muammalah dari Klasik hingga Kontemporer. UIN-Maliki Press.
Hasni, F., Hamdani, I., & Arif, S. (2022). Strategi Pemasaran Produk Tabungan Emas Dalam Upaya Menarik Minat Nasabah pada Pegadaian Syariah Cabang Bogor Baru. 5(2).
Heradhyaksa, B. (2022). Implementasi Investasi Emas Syariah Perspektif Hukum Islam. Jurnal Hukum Ekonomi Islam (JHEI), 6(1), 35–51.
Ibrahim, A., Safitri, I., Agustina, M., Elyana, L., Saksono, H., Widodo, T. W., & Abroto. (2024). Metodologi Penelitian Pendidikan. Yayasan Cendikia Mulia Mandiri.
Istan, M. (2023). Implementasi Investasi Emas: Kajian Teoritis dan Praktis Menurut Ekonomi Islam. Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah, 9(1), 1–12.
Izazi, F. S., Sajena, P., Kirana, R. S., & Marsaulina, K. (2024). Perlindungan Hukum Terhadap Konsumen Dalam Transaksi E-Commerce Melalui Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen Dan Peraturan Pemerintah (PP) Nomor 80 Tahun 2019 Tentang Perdagangan Melalui Sistem Elektronik. Leuser: Jurnal Hukum Nusantara, 1(2), Article 2.
Kusumaningsih, R. (2023). Analisa Hukum Peran BAPPEBTI terhadap Affiliator dan Pengguna Binary Option Berkedok Investasi dan Trading. Sultan Jurisprudence: Jurnal Riset Ilmu Hukum, 3(1), 90–100. https://doi.org/10.51825/sjp.v3i1.19252
Manik, N. N. A., Fadillah, P. I., & Jannah, N. (2021). Faktor-Faktor Yang Mempengaruhi Minat Generasi Z Dalam Berinvestasi Tabung Emas Pada Pegadaian Digital Syariah. Jurnal Cakrawala Ilmiah, 1(4), Article 4. https://doi.org/10.53625/jcijurnalcakrawalailmiah.v1i4.847
Midisen, K., & Handayani, S. (2021). Jual Beli Emas Secara Tidak Tunai Ditinjau Secara Hukum Fikih. Jurnal Ekonomi Syariah Pelita Bangsa, 6(01), Article 01. https://doi.org/10.37366/jespb.v6i01.172
Mubarroq, A. C., & Latifah, L. (2023). Analisis Konsep Muamalah Berdasarkan Kaidah Fiqh Muamalah Kontemporer. Tadayun: Jurnal Hukum Ekonomi Syariah, 4(1), Article 1. https://doi.org/10.24239/tadayun.v4i1.101
Muchtar, E. H. (2017). Muamalah Terlarang: Maysir dan Gharar. Jurnal Asy-Syukriyyah, 18(1), 82–100. https://doi.org/10.36769/asy.v18i1.73
Muhajir, A. (2020). Analisis Hukum Investasi Emas Online (Ditinjau dari Teori Barang Ribawi). Al-’Adl, 13(2), 221. https://doi.org/10.31332/aladl.v13i2.1757
Nadhriati, M., & Suparmin, S. (2023). Relevansi Investasi Tabungan Emas dalam Perspektif Fikih Klasik dan Fikih Kontemporer. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(2), Article 2. https://doi.org/10.37680/almanhaj.v5i2.3937
Nurhaeti, N., & Nasrulloh, D. A. (2022). Mekanisme Pasar Modal Atau Perdagangan Efek Syariah (Fatwa DSN-MUI). Jurnal Ilmu Akuntansi Dan Bisnis Syariah (AKSY), 4(2), 17–32. https://doi.org/10.15575/aksy.v4i2.31264
Pane, I., Ud, S., Ag, M., & Syazali, H. (2021). Fiqh Mu’amalah Kontemporer. Yayasan Penerbit Muhammad Zaini.
Qur’an Kemenag. (n.d.). Retrieved May 4, 2025, from https://quran.kemenag.go.id/
Rahma, M. N., & Hanifuddin, I. (2021). Status Kepemilikan Emas Virtual di Aplikasi Shopee Perspektif Fatwa DSN-MUI Tentang Jual Beli Emas Secara Tidak Tunai. Invest Journal of Sharia & Economic Law, 1(2), Article 2. https://doi.org/10.21154/invest.v1i2.3439
Rahmayeni, Z., Febrina, R., Yuletri, M., & Martati, E. (2024). Peran Ushul Fiqih Dalam Menyikapi Tantangan Syariah Compliance pada Lembaga Keuangan Digital Di Era Ekonomi Islam Modern. El-kahfi | Journal of Islamic Economics, 5(02), Article 02. https://doi.org/10.58958/elkahfi.v5i02.384
Rezaldo, A. D., & Saputeri, N. P. (2025). Perbandingan Produk Emas Digital dan Cicilan Emas di Bank Syariah Indonesia. Jurnal Dinamika Ekonomi Syariah, 13(1), 1–13.
Ripada, N. I. (2020). Analisis Keamanan Dan Risiko Investasi Emas Digital Terhadap Minat Investasi: Studi Pada Pegadaian Digital Service. Kasaba: Jurnal Ekonomi Islam, 13(2), Article 2. https://doi.org/10.32832/kasaba.v13i2.3463
Rudiansyah, R. (2020). Telaah Gharar, Riba, dan Maisir dalam Perspektif Transaksi Ekonomi Islam. Al-Huquq: Journal of Indonesian Islamic Economic Law, 2(1), Article 1. https://doi.org/10.19105/alhuquq.v2i1.2818
Sari, I. N., & Ledista, L. (2022). Gharar Dan Maysir Dalam Transaksi Ekonomi Islam. Izdihar: Jurnal Ekonomi Syariah, 2(2), Article 2. https://doi.org/10.32764/izdihar.v2i2.2610
Sari, M., & Asmendri, A. (2020). Penelitian Kepustakaan (Library Research) dalam Penelitian Pendidikan IPA. Natural Science, 6(1), 41–53. https://doi.org/10.15548/nsc.v6i1.1555
Sopiah, P., & Sadi’ah, D. S. (2021). Investasi Emas Online Di Aplikasi Shopee Dan Pt. Pegadaian Dalam Perspektif Fatwa DSN-MUI Nomor 77/DSN-MUI/V/2010 Tentang Jual Beli Emas Secara Tidak Tunai. Al-Muamalat: Jurnal Ekonomi Syariah, 8(2), 81–89. https://doi.org/10.15575/am.v8i2.12961
Sudiarti, S. (2018). Fiqh Muamalah Kontemporer. FEBI UIN-SU Press.
Suprapdi, S., & Mujib, A. (2023). Analisis Perlindungan Hukum Konsumen Tabungan Emas Pada E-Commerce Tokopedia. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 8(1), 74. https://doi.org/10.24235/jm.v8i1.12622
Tim Pustaka Al-Kautsar. (2010). Terjemah Fathul Qarib: Fikih Praktis Mazhab Syafi’i. Pustaka Al-Kautsar.
Verawati, H. (2024). Analisis Hukum Islam Terhadap Implementasi Investasi Emas Syariah. PESHUM : Jurnal Pendidikan, Sosial Dan Humaniora, 3(6), Article 6. https://doi.org/10.56799/peshum.v3i6.6802
Widyastuty, W. (2022). Pemanfaatan Investasi Emas Melalui Aplikasi Pegadaian Digital Dalam Distribusi Pendapatan Era Gen Z. Prosiding Seminar Nasional Riset Pasar Modal, 2(1), Article 1. http://conference.um.ac.id/index.php/rpm/article/view/3440
Yusuf, M. Y., & Armiadi. (2020). Diskursus Riba dalam Transaksi Perbankan Syariah (Cetakan pertama). Bandar Publishing.
Zuhaili, W. (2002). Fiqh al-Mu‘amalat al-Maliyyah al-Mu‘asirah. Dar al-Fikr.
Copyright (c) 2025 Zuhur Diana, Isroqunnajah Isroqunnajah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
