Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH

FENOMENA FINTECH LENDING DALAM PERSPEKTIF FATWA MUI NO 117/DSN-MUI/II/2018 TENTANG LAYANAN PEMBIAYAAN BERBASIS TEKNOLOGI INFORMASI BERDASARKAN PRINSIP SYARI’AH

Abstrak

ABSTRACT

Low public literacy about online lending has trapped many ordinary people in the crush of online loans. This problem call , the Indonesian Ulema Council, through the DSN-MUI, has again refreshed the provisions that were actually set several years ago regarding information technology-based financing services based on sharia principles (Shari'ah). DSN-MUI FATWA NO 117/DSN-MUI/II/2018), through the results of the ijtima' Ijtima Ulama of the VII Indonesian Fatwa Commission which was held by the Fatwa Commission of the Indonesian Ulema Council (MUI). Response Indonesian Joint Funding Fintech Association AFPI is fully committed to encouraging access to funding for inclusion through safe and law-abiding digital financial services, by carrying out an architecture that includes policy advocacy, code of conduct, literacy and education, data knowledge and intelligence, and collaboration. In addition, AFPI supports and opens space for sharia-licensed players by creating separate clusters. Currently, there are 7 platforms that specifically have sharia-based licenses and are licensed by the Financial Services Authority (OJK). So actually the MUI fatwa is aimed at casuistic matters that violate banking principles, not all Fintech lending institutions.

Literasi masyarakat yang rendah tentang pinjaman online telah banyak menjebak masyarakat awam dalam himpitan pinjaman online.Terkait dengan masalah tersebut Majelis Ulama Indonesia melalui DSN-MUI kembali merefresh ketentuan yang sebenarnya telah ditetapkan beberapa tahun lalu tentang layanan pembiayaan berbasis teknologi informasi berdasarkan prinsip syari’ah (FATWA DSN-MUI NO 117/DSN-MUI/II/2018), nelalui hasil ijtima’ Ijtima Ulama Komisi Fatwa se-Indonesia ke-VII yang digelar Komisi Fatwa Majelis Ulama Indonesia (MUI). Respon Asosiasi Fintech Pendananaan Bersama Indonesia AFPI berkomitmen penuh mendorong akses pendanaan untuk inklusi melalui jasa keuangan digital yang aman dan taat aturan, dengan mengusung arsitektur yang meliputi policy advocacy, code of conduct, literasi dan edukasi, data knowledge and intelligence, dan kolaborasi. Selain itu, AFPI mendukung dan membuka ruang gerak para pemain berlisensi syariah dengan membuat klaster tersendiri. Saat ini, terdapat 7 platform yang khusus memiliki lisensi berbasis syariah sekaligus berizin Otoritas Jasa Keuangan (OJK). Jadi sebenarnya fatwa MUI ditujukan pada hal kasuistik yang menyalahi prinsip-prinsip perbankan, bukan semua lembaga Fintech lending.