DANA E Wallet Reveals Gaps in Maqashid Sharia Consumer Protection
DANA E-Wallet Mengungkap Kesenjangan dalam Perlindungan Konsumen Berdasarkan Maqashid Syariah
DOI:
https://doi.org/10.21070/perisai.v10i2.2050Keywords:
Maqashid Sharia, Ahmad Ar-Raisuni, E-Wallet DANA, Fintech Sharia, Consumer ProtectionAbstract
General Background: Digital financial services require alignment between technological innovation and Islamic economic principles to ensure equitable transactions and user welfare. Specific Background: The DANA electronic wallet provides accessible digital payment services, but its operational practices require evaluation against maqashid sharia principles. Knowledge Gap: Existing assessments require greater attention to actual user experiences, particularly regarding financial security, dispute resolution, and practical compliance with Islamic objectives. Aims: This study evaluates DANA through Ahmad Ar Raisuni's maqashid sharia framework and Islamic contractual classification. A qualitative case study employed user interviews, with findings analyzed using the Miles and Huberman interactive model. Results: DANA's operational mechanisms conceptually correspond to wadiah yad dhamanah and wakalah bil ujrah contracts. Transaction convenience supports maslahah and taysir, while security features, transparency, and digital philanthropy reflect procedural, social, and spiritual principles. However, dar al mafsadah and raf al haraj remain insufficiently fulfilled. Unauthorized balance losses and delayed complaint resolution undermine hifz al mal. Novelty: The study applies Ahmad Ar Raisuni's dynamic maqashid framework to evaluate digital wallet operations through empirical user experiences and Islamic contractual principles. Implications: Financial technology providers should strengthen transaction security, complaint resolution mechanisms, and consumer rights safeguards to ensure substantive compliance with Islamic economic objectives.
Highlights:
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Wadiah yad dhamanah and wakalah bil ujrah characterize the contractual mechanisms.
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Transaction convenience and digital philanthropy support economic and social benefits.
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Unauthorized balance losses and delayed complaints compromise hifz al mal.
Keywords: Maqashid Sharia, Ahmad Ar-Raisuni, E-Wallet DANA, Fintech Sharia, Consumer Protection
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