ANALISIS KOMPARATIF SYARIAH CARD PADA BANK SYARIAH DI INDONESIA DAN MALAYSIA
DOI:
https://doi.org/10.31958/jtm.v9i1.9724Keywords:
Shariah Card, Islamic Banking, Islamic Credit CardAbstract
Tujuan penelitian adalah untuk membandingkan praktik kartu kredit syariah pada bank syariah yang ada di Indonesi dan Malaysia. Metode penelitian menggunakan metode kualitatif dengan pendekatan deskriptif komparatif. Data dikumpulkan dari referensi literatur ilmiah, buku dan laporan dari lembaga resmi melalui Systematic Literature Review. Hasil penenlitian menunjukan bahwa terdapat perbedaan produk syariah card pada bank syariah di Indonesia dan Malaysia ditinjau dari akad yang digunakan. Syariah card di Indonesia mengacu pada Fatwa DSN No.54 menggunakan akad kafalah, qard dan ijarah. Sedangkan syariah card di bank syariah Malaysia menggunakan akad Bay al inah, Wadiah, dan Qard al hasan. Masih ada perbedaan pandangan terhadap penggunaan akad pada syariah card baik di Indonesia maupun di Malaysia. Pengguna kartu kredit syariah saat ini masih sangat sedikit karena masih ada keraguan dalam penggunaan akad sehingga perlu alternatif lain dalam penggunaan akad pada kartu kredit syariah seperti akad musyarakah dan murabahah.References
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