PRAKTIK UTANG-PIUTANG UANG SECARA ONLINE DI APLIKASI EASYCASH PERSPEKTIF HUKUM EKONOMI SYARIAH DI KELURAHAN LALOMBAA KECAMATAN KOLAKA

Muh. Syafril Nur Hidayad, Nim : 2020020102039, M (2026) PRAKTIK UTANG-PIUTANG UANG SECARA ONLINE DI APLIKASI EASYCASH PERSPEKTIF HUKUM EKONOMI SYARIAH DI KELURAHAN LALOMBAA KECAMATAN KOLAKA. Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK
Nama : Muh. Syafril Nur Hidayad, Nim : 2020020102039, Judul Skripsi:
“Praktik Utang-Piutang Uang Secara Online Di Aplikasi Easycash Perspektif
Hukum Ekonomi Syariah Di Kelurahan Lalombaa Kecamatan Kolaka”,
Pembimbing pertama : Dr. Kartini, S.Ag., M.HI., Pembimbing kedua :
Mahruddin S, SOS.,M.SI.

Penelitian ini membahas terkait praktik utang-piutang uang secara online di
aplikasi easycash di Kelurahan Lalombaa Kecamatan Kolaka, Kabupaten Kolaka,
Sulawesi Tenggara. Praktik Utang-Piutang Uang Secara Online Di Aplikasi
Easycash di Kelurahan Lalombaa memiliki beberapa tahapan di mulai dari
mengistal atau mendownload aplikasi easycash diplaystore atau apstore, kemudian
melakukan registrasi, selanjutnya pengisian data pribadi, pemilihan nominal dan
tenor peminjaman, penilaian kredit dan persetujuan, pencairan dana dan yang
terakhir pelunasan dan pembayaran angsuran. Namun dalam penerapannya belum
diketahui apakah telah sesuai dengan prinsip-prinsip hukum ekonomi syariah yang
sesuai dengan syariat serta apakah praktik utang-piutang yang berlaku sudah
memenuhi rukun dan syarat hukum ekonomi syariah. Tujuan penelitian ini adalah
untuk menggambarkan serta menganalisis praktik utang-piutang uang secara online
di aplikasi easycash dari perspektif Hukum Ekonomi Syariah di Kelurahan
Lalombaa, Kecamatan Kolaka, Kabupaten Kolaka. Jenis penelitian yang digunakan
yaitu dengan menggunakan metode penelitian lapangan (field research) dengan
sifat deskriptif analisis. Teknik pengumpulan data meliputi observasi, wawancara
terstruktur, serta dokumentasi. Sumber data primer yang digunakan bersumber dari
responden, yaitu debitur, masyarakat dan tokoh agama, serta data sekunder dari
dokumen-dokumen relevan. Hasil penelitain menunjukkan bahwa praktik utangpiutang
uang
secara
online
di
aplikasi
easycash
di
Kelurahan
Lalombaa,
Kecamatan

Kolaka

menunjukkan bahwa penerapannya belum sepenuhnya sesuai dengan
prinsip hukum ekonomi syariah. Praktik ini masih mengandung unsur riba, gharar,
dan dharar akibat adanya bunga, potongan administrasi, serta denda keterlambatan
yang tinggi, sehingga menimbulkan ketimpangan antara pemberi dan penerima
pinjaman.

Kata Kunci: Utang-piutang, Uang, Online, Hukum Ekonomi Syariah, Easycash.

ABSTRACT
Name: Muh. Syafril Nur Hidayad, Student ID Number: 2020020102039,
Thesis Title: “Online Money Debt-Receivable Practices in the Easycash
Application from the Perspective Sharia Economic Law Contracts in
Lalombaa Village, Kolaka District”, First Advisor: Dr. Kartini, S.Ag., M.HI.,
Second Advisor: Mahruddin S, SOS.,M.SI.

This study discusses the practice of online money lending and crediting
through the easycash application in Lalombaa Village, Kolaka District, Kolaka
Regency, Southeast Sulawesi. The practice of online money lending and crediting
through the Easycash application in Lalombaa Village has several stages starting
from installing or downloading the easycash application on the Play Store or App
Store, then registering, then filling in personal data, selecting the nominal and tenor
of the loan, credit assessment and approval, disbursement of funds and finally
repayment and installment payments. However, in its implementation it is not yet
known whether it is in accordance with the sharia economic law contract in
accordance with sharia and whether the applicable debt and credit practices have
fulfilled the pillars and requirements of the sharia economic law. The purpose of
this study is to describe and analyze the practice of online money lending and
crediting through the easycash application from the perspective of Sharia Economic
Law in Lalombaa Village, Kolaka District, Kolaka Regency. The type of research
used is a field research method with a descriptive analytical nature. Data collection
techniques included observation, structured interviews, and documentation.
Primary data sources were obtained from respondents, including debtors,
community members, and religious leaders, as well as secondary data from relevant
documents. The research findings indicate that the practice of online borrowing and
lending through the easycash application in Lalombaa Village, Kolaka District, is
not fully compliant with Islamic economic principles. This practice still contains
elements of usury, gharar, and dharar due to the high interest rates, administrative
fees, and late fees, creating an imbalance between lenders and borrowers.

Keywords: Debt, Money, Online, Contract,Sharia Economic Law, Easycash.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Utang-piutang, Uang, Online, Hukum Ekonomi Syariah, Easycash.
Subjects:	300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.3 Lembaga Perkreditan
Divisions:	Fakultas Syariah > Prodi Muamalah
Depositing User:	Unnamed user with email [email protected]
Date Deposited:	18 May 2026 01:50
Last Modified:	18 May 2026 01:50
URI:	http://digitallib.iainkendari.ac.id/id/eprint/4566

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