ANALISIS PEMBERIAN DISKON DAN CASHBACK PADA DOMPET DIGITAL GOPAY MENURUT FATWA DSN-MUI DAN PERATURAN BANK INDONESIA
Abstract
This study aims to explain the law of regarding the granting and use of GoPay discounts and cashback according to their compliance with the DSN-MUI Fatwa and Indonesian Bank regulations (PBI). Each contract has different consequences in using the discount provided by GoPay. There is a correlation between electronic money issuers and banks regarding the float fund provisions stipulated in the PBI which require float funds to be kept at BUKU 4 banks which need to be investigated further whether they have an effect on changing the contract from wadiah to qardh because float funds deposited at the bank provide benefits for issuers of electronic money. This research uses exploratory research with a statute approach. The results show that the contract used in electronic money storage at GoPay is a wadiah contract, because GoPay clearly states that it does not use electronic money stored at GoPay. Furthermore, regarding the provisions for depositing float funds at BUKU 4 banks, between consumers and the bank where GoPay stores float funds, there is no relationship because GoPay stores float funds as a form of compliance with the regulations so that wadiah contracts do not turn into qardh. Then the GoPay promo does not conflict with the DSN-MUI Fatwa.
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DOI: https://doi.org/10.15408/iblj.v1i1.30870 Abstract - 0
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