Evaluasi Sistem Pembayaran Cashless pada Lembaga Keuangan Pesantren: Analisis Akad dan Implikasi Hukum Ekonomi Syariah (Studi Kasus Pondok Pesantren Nurul Abror Al-Robbaniyin)
Keywords:
hukum ekonomi syariah, pesantren, digitalisasi keuangan, akad syariah, cashlessAbstract
Penelitian ini mengkaji penerapan sistem pembayaran non-tunai (cashless) pada Lembaga Keuangan SMK Nurul Abror Al-Robbaniyin, Banyuwangi, dalam perspektif hukum ekonomi syariah. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus melalui wawancara mendalam, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa praktik sistem cashless didasarkan pada penggunaan akad wadiah yad dhamanah, ijarah, wakalah bi al-ujrah, dan ju‘alah, serta dijalankan dengan mekanisme yang menjunjung prinsip amanah, transparansi, dan perlindungan harta (ḥifẓ al-māl). Meskipun secara struktural telah memenuhi ketentuan syariah, ditemukan potensi persoalan hukum pada aspek pemahaman pengguna terhadap akad serta keterbatasan dukungan infrastruktur transaksi. Secara normatif, penelitian ini menegaskan bahwa sistem pembayaran cashless dinilai sah menurut hukum ekonomi syariah sepanjang kejelasan akad dipahami oleh para pihak dan didukung oleh tata kelola digital berbasis prinsip syariah. Dengan demikian, kepatuhan syariah dalam digitalisasi keuangan pesantren tidak hanya ditentukan oleh keabsahan akad secara formal, tetapi juga oleh literasi hukum syariah pengguna dan penguatan tata kelola kelembagaan
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