Analysis of The Fatwa National Sharia Council of The Indonesian Ulama Council (DSN-MUI) Concerning Sharia Electronic Money on The Use of Dana Applications

Abstract

This study aims to analyze the use of the DANA application based on DSN-MUI Fatwa No. 116/DSN-MUI/IX/20I7 concerning Sharia Electronic Money. This research is a library research. The data used in this study are secondary data, the existing data is analyzed using descriptive analysis techniques. The electronic money that is the subject of study is the DANA application. Based on MUI Fatwa No: 116/DSN-MUI/IX/2017, the position of the DANA digital wallet as a storage of digital money is allowed. This is based on the finding that the DANA application is hidden from the elements of riba, gharar, maysir, tadlis, risywah and israf. The findings also found that the DANA application collaborated with Bank Syariah Indonesia (BSI) and the contracts contained in the fund transaction in accordance with the contracts allowed in the DSN MUI FATWA NO: 116/DSN-MUI/IX/2017.