Perlindungan Hukum Terhadap Mikro-Entrepreneur dalam Kontrak Bagi Hasil Digital Berbasis Syariah: Analisis Yuridis Normatif terhadap Prinsip Keadilan dan Transparansi

Suharizal; Ade Ermansyah Sudarno; Intan Muthoharoh; Saniatul Hidayah

doi:10.55352/maqashid.v7i1.2930

Authors

Suharizal Sekolah Tinggi Ilmu Syariah Darul Ulum Lampung
Ade Ermansyah Sudarno
Intan Muthoharoh
Saniatul Hidayah

DOI:

https://doi.org/10.55352/maqashid.v7i1.2930

Abstract

Penelitian ini bertujuan menganalisis bentuk perlindungan hukum bagi mikro-entrepreneur dalam kontrak bagi hasil digital syariah, mengevaluasi implementasi prinsip keadilan (al-'adl) dan transparansi (al-shafafiyah) dalam praktik kontrak digital, serta merumuskan model perlindungan hukum integratif yang mengharmoniskan prinsip syariah dengan regulasi positif. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual, berbasis studi pustaka terhadap regulasi fintech, fatwa DSN-MUI, literatur fiqh muamalah, dan jurnal ilmiah terkini. Hasil penelitian menunjukkan bahwa regulasi yang ada belum secara memadai mengakomodasi kekhususan kontrak digital syariah untuk pelaku usaha mikro; prinsip keadilan dan transparansi masih bersifat normatif-deklaratif tanpa mekanisme penegakan yang operasional. Penelitian ini berkontribusi dengan merumuskan kerangka perlindungan hukum tiga dimensi yang mengintegrasikan maqashid al-syariah, regulasi perlindungan konsumen, dan standarisasi kontrak digital syariah.

Downloads

Download data is not yet available.

References

Abass, S. “Fair Sharing Ratios of Profit and Loss Sharing Contracts,” 2025. https://doi.org/10.48550/arxiv.2507.01995.

Al-Zuhayli, W. Al-Fiqh Al-Islami Wa Adillatuh. Vol. 5. Dar al-Fikr, 2002.

Audrey, C. “Digital Platforms and Profit Allocation Challenges.” Social Science Research Network, 2026. https://doi.org/10.2139/ssrn.6027434.

Avdukic, A, and M Asutay. “Testing the Development Impact of Islamic Banking: Islamic Moral Economy Approach to Development.” Economic Systems, 2024. https://doi.org/10.1016/j.ecosys.2024.101229.

Azzahidi, M R, and N Z Parhi. “Analisis Kepatuhan Akad Baku Peer to Peer Lending Syariah Terhadap Fatwa DSN MUI Nomor 117 DSN-MUI/II/2018: Studi Kasus Pada PT. Qazwa Mitra Hasanah.” Manazhim: Jurnal Manajemen Dan Ilmu Pendidikan 5, no. 1 (2023): 87–107. https://doi.org/10.36088/manazhim.v5i1.2723.

Chong, F H L. “Enhancing Trust through Digital Islamic Finance and Blockchain Technology.” Qualitative Research in Financial Markets 13, no. 3 (2021): 328–41. https://doi.org/10.1108/QRFM-05-2020-0076.

Hamdan, M S, and A H Isa. “Technology Adoption among Islamic Microfinance Institutions: A Conceptual Framework.” Journal of Islamic Finance 9, no. 1 (2020): 55–67.

Hatta, M, A F Susanto, and U Narsudin. “P2P Lending: Legal Framework for Electronic Contracts.” International Journal of Latin Notary 5, no. 2 (2025): 25–30. https://doi.org/10.61968/journal.v5i2.103.

Indonesia, Yayasan Lembaga Konsumen. “Laporan Tahunan: Pengaduan Konsumen Fintech 2021-2022.” YLKI, 2022.

Jensen, M C, and W H Meckling. “Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure.” Journal of Financial Economics 3, no. 4 (1976): 305–60.

Keuangan, Otoritas Jasa. “Statistik Fintech Lending Syariah: Perkembangan Industri 2023.” OJK, 2023.

Khatimah, H, F Halim, and A O A Eltahir. “Digital Leadership on SME’s Sustainability Performance of Sharia Fintech.” QUALITY Access to Success, 2025. https://doi.org/10.47750/QAS/26.205.27.

Kim, J G. “A Study on the Contractual Fairness and Protection of Standard Terms in Online Platform Transactions.” Minsa Beob i’lon Gwa Silmu 28, no. 3 (2025): 79–124. https://doi.org/10.21132/minsa.2025.28.3.03.

Latifah, E, and R Muawanah. “Profit Sharing and Risk Sharing: An Islamic Economic Perspective on Farmland Cultivation.” Jurnal Hexagro 9, no. 2 (2025): 111–25. https://doi.org/10.36423/hexagro.v9i2.2245.

Liu, J, T Li, L Ren, and M Duygun. “Financing Strategies and Market Outcomes for SMEs on E-Platforms: Monopoly versus Competition.” International Journal of Electronic Commerce 30 (2025): 82–116. https://doi.org/10.1080/10864415.2025.2594328.

Lubis, M N A, F Harun, and R R A Hasibuan. “Perbandingan Sistem Bagi Hasil Dalam Ekonomi Syariah Dan Praktiknya Di Lembaga Keuangan Syariah.” Jurnal Nuansa 3, no. 3 (2025): 163–72. https://doi.org/10.61132/nuansa.v3i3.1927.

“Metode Integratif Penetapan Hukum Islam: Mengimplementasikan Kajian Normatif Dan Empiris” 2, no. 1 (2023): 1–22. https://doi.org/10.59579/atw.v2i1.4611.

Nurlaili, E, A Aprilianti, K K Kasmawati, S Oktaviana, and S Nurhasanah. “Protection for Micro, Small and Medium Enterprises Based on Indonesian Law.” International Journal of Multicultural and Multireligious Understanding, 2024. https://doi.org/10.18415/ijmmu.v11i5.5710.

Purnama, D. “The Principle of Freedom to Make an Aqad in Islamic Law and Its Implementation to Sharia Banking in Indonesia.” JIHAD: Jurnal Ilmu Hukum Dan Administrasi, 2025. https://doi.org/10.58258/jihad.v7i4.9724.

Reliyanti, R, and K Kurniawan. “Analysis of Islamic Law on Cooperation Agreements in Micro, Small and Medium Enterprises.” Zabags International Journal of Islamic Studies 1, no. 2 (2024): 66–72. https://doi.org/10.61233/zijis.v1i2.11.

Rusydiana, A S, and A Devi. “Challenges and Solutions in Islamic Microfinance Development in Indonesia: An Analytic Network Process Approach.” Global Review of Islamic Economics and Business 6, no. 1 (2018): 11–22.

Triana, E, and Y Sujatna. “Strategic Innovation in Inclusive Islamic Finance for Islamic Ultra Micro Entrepreneurs in the Digital Era: A Systematic Literature Review Using the PRISMA Method,” 2025. https://doi.org/10.65101/sinebis.v1i2.172.

Zulkarnaen, Z, L H Siregar, I Muda, A Soemitra, and Yusrizal. “Implementasi Konsep Keadilan Dalam Akad Mudharabah: Studi Pada Lembaga Keuangan Mikro Syariah.” El-Mal 6, no. 11 (2025). https://doi.org/10.47467/elmal.v6i11.10184.