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Pembahasan berfokus pada status hukum deposit e-wallet, dengan menolak anggapan bahwa saldo tersebut merupakan akad Wadi'ah (titipan) karena uang pengguna diputar oleh penerbit, serta menolak akad Ujroh (upah di depan) karena jasa spesifik belum terjadi saat pengisian saldo. Analisis diperdalam dengan pembahasan mengenai 'Jebakan Manfaat' berupa diskon, promo, dan cashback yang diberikan perusahaan kepada pengguna saldo tersebut sebagai bentuk manfaat tambahan atas pinjaman (Qardh). Kajian ini bertujuan memberikan pemahaman hukum Islam yang komprehensif bagi pengguna layanan keuangan digital agar terhindar dari praktik ribawi dan transaksi yang tidak sesuai dengan prinsip syariat Islam dalam ekosistem keuangan modern.",{"@graph":63,"@context":119},[64,81,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,72,75,78],{"item":68,"name":69,"@type":70,"position":71},"https://docshare.wps.com","Home","ListItem",1,{"item":73,"name":9,"@type":70,"position":74},"https://docshare.wps.com/id/document/",2,{"item":76,"name":10,"@type":70,"position":77},"https://docshare.wps.com/id/document/agama-spiritualitas/",3,{"item":79,"name":59,"@type":70,"position":80},"https://docshare.wps.com/id/document/islamic-perspective-on-digital-wallet-laws/448663/",4,{"url":79,"name":59,"@type":82,"image":83,"author":88,"headline":59,"publisher":91,"fileFormat":94,"inLanguage":57,"description":61,"dateModified":95,"datePublished":96,"encodingFormat":94,"isAccessibleForFree":97,"interactionStatistic":98},"DigitalDocument",{"url":84,"@type":85,"width":86,"height":87},"https://docshare.wps.com/thumbnails/islamic-perspective-on-digital-wallet-laws/448663.png","ImageObject",300,407,{"name":89,"@type":90},"Cart","Person",{"url":68,"name":92,"@type":93},"DocShare","Organization","application/vnd.openxmlformats-officedocument.presentationml.presentation","2026-10-01","2026-09-30",true,{"@type":99,"interactionType":100,"userInteractionCount":71},"InteractionCounter",{"@type":101},"ViewAction",{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"Mengapa saldo e-wallet bukan merupakan akad Wadi'ah?","Question",{"text":109,"@type":110},"Saldo e-wallet bukan Wadi'ah karena uang pengguna tidak disimpan di kotak aman (safe deposit box), melainkan dicampur, digunakan, dan diputar oleh pihak penerbit untuk investasi.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"Mengapa akad Ujroh tidak berlaku saat pengisian saldo e-wallet?",{"text":114,"@type":110},"Akad Ujroh tidak berlaku karena saat top-up dilakukan, jasa spesifik yang dibayar (seperti membeli makanan atau ojek) belum terjadi, dan menurut kaidah fiqih, jika pokok jasanya belum ada, maka upahnya juga belum sah.",{"name":116,"@type":107,"acceptedAnswer":117},"Apa yang dimaksud dengan Jebakan Manfaat dalam konteks dompet digital?",{"text":118,"@type":110},"Jebakan Manfaat merujuk pada pemberian diskon, promo, atau cashback secara khusus kepada pengguna karena mereka menyimpan saldo (yang dipandang sebagai pinjaman/Qardh kepada perusahaan), yang berpotensi melanggar kaidah hukum terkait manfaat tambahan dalam pinjaman.","https://schema.org",{"og:url":79,"og:type":121,"og:title":59,"og:site_name":92,"og:description":61},"article",{"robots":123,"canonical":79},"index,follow",{"doc_id":125,"site_id":56},448663,1790853047,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":89,"user_avatar":130,"doc_module":4,"category_id":8,"category_name":10,"doc_title":59,"doc_description":61,"doc_content":60,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":71,"is_deleted":4,"is_public":71,"is_downloadable":71,"audit_status":71,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":141},18829141979164,"https://eur-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","cbCaipnGmX9dJa7d","https://ap.wps.com/l/cbCaipnGmX9dJa7d","pptx",12800469,11,"Indonesian","# Analisis Hukum E-Wallet\n## Status Deposit E-Wallet sebagai Wadi'ah\n## Status Deposit E-Wallet sebagai Ujroh\n## Jebakan Manfaat (Diskon dan Promo)","[{\"question\":\"Mengapa saldo e-wallet bukan merupakan akad Wadi'ah?\",\"answer\":\"Saldo e-wallet bukan Wadi'ah karena uang pengguna tidak disimpan di kotak aman (safe deposit box), melainkan dicampur, digunakan, dan diputar oleh pihak penerbit untuk investasi.\"},{\"question\":\"Mengapa akad Ujroh tidak berlaku saat pengisian saldo e-wallet?\",\"answer\":\"Akad Ujroh tidak berlaku karena saat top-up dilakukan, jasa spesifik yang dibayar (seperti membeli makanan atau ojek) belum terjadi, dan menurut kaidah fiqih, jika pokok jasanya belum ada, maka upahnya juga belum sah.\"},{\"question\":\"Apa yang dimaksud dengan Jebakan Manfaat dalam konteks dompet digital?\",\"answer\":\"Jebakan Manfaat merujuk pada pemberian diskon, promo, atau cashback secara khusus kepada pengguna karena mereka menyimpan saldo (yang dipandang sebagai pinjaman/Qardh kepada perusahaan), yang berpotensi melanggar kaidah hukum terkait manfaat tambahan dalam pinjaman.\"}]","Hukum Seputar Dompet Digital Dalam Pandangan Islam | PPTX",1790728389,17]