E-Commerce and Ethical Business Practices: The Role of DSN-MUI Fatwa

Randhy Nugroho, Ely Nurhayati

Abstract


In light of the rapid expansion of e-commerce, this study critically examines the role of the National Sharia Board-Indonesian Council of Ulama (DSN-MUI) fatwas (No. 144 and 146) in fostering ethical business practices within online marketplaces. With the ongoing digital transformation, aligning business practices with Islamic ethical standards has become increasingly critical. This research critically evaluates the practical implementation of Sharia-compliant consignment contracts on two leading platforms, Shopee and Tokopedia, using a document analysis approach. Findings indicate that current consignment contracts largely comply with DSN-MUI guidelines despite the absence of explicit contractual formulations. Furthermore, both Shopee and Tokopedia have implemented preventive and corrective mechanisms to deter prohibited transactions, such as tadlis (concealment of defects) and ghisy (quality mismatch). However, a notable gap exists in measures addressing tanajusy (demand engineering) transactions. The study suggests that issuing additional fatwas specifically targeting tanajusy transactions, along with adopting Islamic compliance labeling, could further strengthen the ethical framework of the e-commerce sector.

========================================================================================================

ABSTRAK - E-Commerce dan Praktik Bisnis Beretika: Peran Fatwa DSN-MUI. Seiring dengan pertumbuhan e-commerce yang pesat, kebutuhan untuk menyelaraskan praktik bisnis dengan standar etika Islam semakin mendesak. Penelitian ini mengkaji peran fatwa DSN-MUI (No.144 dan 146) dalam mendorong perilaku bisnis beretika di platform ritel daring. Penelitian ini secara kritis mengevaluasi implementasi kontrak konsinyasi pada dua platform e-commerce terkemuka, yaitu Shopee dan Tokopedia. dan menganalisis kesesuaiannya dengan prinsip-prinsip syariah. Dengan menggunakan pendekatan analisis dokumen, penelitian ini menguji kesesuaian praktik kontraktual dengan kedua fatwa DSN-MUI tersebut. Hasil kajian menunjukkan bahwa pelaksanaan kontrak konsinyasi saat ini secara substansial telah memenuhi persyaratan DSN-MUI meskipun tidak ada formulasi kontrak eksplisit. Selain itu, kedua platform telah menerapkan mekanisme preventif dan korektif untuk mencegah transaksi terlarang seperti tadlis (penyembunyian cacat) dan ghisy (ketidaksesuaian kualitas). Namun, penelitian juga mengungkapkan adanya kekurangan dalam mekanisme yang mengatasi transaksi tanajusy (rekayasa permintaan). Penelitian ini menyarankan untuk penerbitan fatwa tambahan yang khusus mengatur transaksi tanajusy, serta penerapan label kepatuhan syariah, sehingga dapat memperkuat iklim etis di sektor e-commerce.


Full Text:

DOWNLOAD PDF

References


Abdelsalam, S., Salim, N., Alias, R. A., & Husain, O. (2020). Understanding Online Impulse Buying Behavior in Social Commerce: A Systematic Literature Review. IEEE Access, 8, 89041–89058. https://doi.org/10.1109/ACCESS.2020.2993671

Agarwala, R., Mishra, P., & Singh, R. (2019). Religiosity and consumer behavior: a summarizing review. Journal of Management, Spirituality and Religion, 16(1), 32–54. https://doi.org/10.1080/14766086.2018.1495098

Ahmed, M. U., & Tarique, K. M. (2021). The Opportunities of Digital Wallets from an Islamic Perspective. In Islamic FinTech (pp. 267–279). Springer International Publishing. https://doi.org/10.1007/978-3-030-45827-0_15

Alam, N., & Ali, S. N. (2021). Introduction: FinTech and Islamic Finance in the Gulf Cooperation Council (GCC). In Fintech, Digital Currency and the Future of Islamic Finance (pp. 1–8). Springer International Publishing. https://doi.org/10.1007/978-3-030-49248-9_1

Anas, K. (2020). Bahaya Impulse Buying Pada Pelanggan Online Shop Saat Pandemi Covid-19. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 1(2), 349–353.

Ansori, I. (2017). Kedudukan Fatwa di Beberapa Negara Muslim (Malaysia, Brunei Darussalam dan Mesir). Analisis: Jurnal Studi Keislaman, 137(166), 137. https://doi.org/10.24042/ajsk.v17i1.1790

Aragoncillo, L., & Orús, C. (2018). Impulse buying behaviour: An online-offline comparative and the impact of social media. Spanish Journal of Marketing - ESIC, 22(1), 42–62. https://doi.org/10.1108/SJME-03-2018-007

Asutay, M., & Harningtyas, A. F. (2015). Developing Maqasid al-Shari’ah Index to Evaluate Social Performance of Islamic Banks: A Conceptual and Empirical Attempt. In International Journal of Islamic Economics and Finance Studies (Issue 1).

Azam, A., Qiang, fu, Abbas, S. A., & Ibrahim Abdullah, M. (2013). Structural equation modeling (SEM) based trust analysis of Muslim consumers in the collective religion affiliation model in e-commerce. Journal of Islamic Marketing, 4(2), 134–149. https://doi.org/10.1108/17590831311329278/FULL/XML

Beatty, S. E., & Ferrell, M. E. (1998). Impulse buying: Modeling its precursors. Journal of Retailing, 74(2), 169–191. https://doi.org/10.1016/S0022-4359(99)80092-X

Desmet, K., & Parente, S. L. (2010). Bigger Is Better: Market Size, Demand Elasticity, And Innovation (Vol. 51, Issue 2).

Fauzi, A. S. (2017). Transaksi Jual-Beli Terlarang; Ghisy atau Tadlis Kualitas. Mizan: Journal of Islamic Law, 1(2), 143–154. https://doi.org/10.32507/MIZAN.V1I2.9

Fauzia, I. Y. (2015). Akad Wakalah dan Samsarah sebagai Solusi atas Klaim Keharaman Dropship dalam Jual Beli Online. Islamica: Jurnal Studi Keislaman, 9(2), 323–343. https://doi.org/10.15642/ISLAMICA.2015.9.2.323-343

Habib, F. (2021). A Critical Analysis of Bitcoin from an Islamic Legal Perspective. In Fintech, Digital Currency and the Future of Islamic Finance (pp. 9–29). Springer International Publishing. https://doi.org/10.1007/978-3-030-49248-9_2

Habibaty, D. M. (2020). Kompetensi Nazhir Pada Wakaf Produktif Ditinjau Dari Undang-Undang No 41 Tahun 2004 Tentang Wakaf. Al-Awqaf: Jurnal Wakaf Dan Ekonomi Islam, 10(2), 154–161.

Harahap, D. A., Ferine, K. F., Irawati, N., Nurlaila, & Amanah, D. (2021). Emerging advances in e-commerce: Panic and impulse buying during the COVID-19 pandemic. Systematic Reviews in Pharmacy, 12(3), 224-230. https://doi.org/10.31838/srp.2021.3.37

Hoppe, F., Baijal, A., Chang, W., Chadna, S., & Hoong, F. W. (2023). e-Conomy SEA 2023 report. https://www.bain.com/insights/e-conomy-sea-2023/

Husaini, A. (2022). Masyarakat Indonesia Semakin Religius, Apa Langkah Selanjutnya. Https://Adianhusaini.Id/. https://adianhusaini.id/detailpost/masyarakat-indonesia-semakin-religius-apa-langkah-selanjutnya

Ibrahim, A. (2023). Metodologi Penelitian Ekonomi dan Bisnis Islam. Bumi Aksara.

iPrice. (2023). Peta E Commerce Indonesia. https://iprice.co.id/insights/mapofecommerce/

Ishak, M. S. I., & Asni, F. (2020). The role of maqasid al-Shariʿah in applying fiqh muamalat into modern Islamic banking in Malaysia. Journal of Islamic Accounting and Business Research, 11(10), 2137–2154. https://doi.org/10.1108/JIABR-12-2019-0224

Kamri, N. A., Ramlan, S., & Ibrahim, A. (2014). Qur'anic work ethics. Journal of Usuluddin, 40, 135-172.

Kracher, B., & Corritore, C. L. (2004). Is There a Special E-Commerce Ethics? Business Ethics Quarterly, 14(1), 71–94. https://doi.org/10.5840/BEQ20041417

Lartey, P. Y., Kong, Y., Bah, F. B. M., Santosh, R. J., & Gumah, I. A. (2019). Determinants of Internal Control Compliance in Public Organizations; Using Preventive, Detective, Corrective and Directive Controls. International Journal of Public Administration, 43(8), 711–723. https://doi.org/10.1080/01900692.2019.1645689

LSI. (2023). Survei: Mayoritas Masyarakat Indonesia Anggap Dirinya Religius. Lembaga Survei Indonesia. https://dataindonesia.id/varia/detail/survei-mayoritas-masyarakat-indonesia-anggap-dirinya-religius

Mao, R., Li, Z., & Fu, J. (2015). Fraud transaction recognition: A money flow network approach. International Conference on Information and Knowledge Management, Proceedings, 19-23-Oct-2015, 1871–1874. https://doi.org/10.1145/2806416.2806647

Matsuyama, K. (1992). The Market Size, Entrepreneurship, and the Big Push. Journal of The Japanese and International Economies, 6, 347–364.

Ministry of Religious Affairs. (2021). Urgensi Layanan Keagamaan di Masa Pandemi Covid-19.

Minton, E. A. (2016). Sacred Attributions: Implications for Marketplace Behavior. Psychology & Marketing, 33(6), 437–448. https://doi.org/10.1002/mar.20889

Momentum Works. (2021). Blooming ecommerce in Indonesia.

Rook, D. W., & Meryl P. Gardner. (1993). In the mood: impulse buying’s affective antecedents. Research in Consumer Behavior, 6(7), 1–28.

Siala, H., O’Keefe, R. M., & Hone, K. S. (2004). The impact of religious affiliation on trust in the context of electronic commerce. Interacting with Computers, 16(1), 7–27. https://doi.org/10.1016/J.INTCOM.2003.11.002

Sutjipto, T. S., & Cahyono, E. F. (2020). Tadlis Dan Taghrir Dalam Transaksi Pada E-Marketplace. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(5), 874–885. https://doi.org/10.20473/vol7iss20205pp874-885

Swimberghe, K. R., Sharma, D., & Flurry, L. W. (2011). Does a Consumer’s Religion Really Matter in the Buyer-Seller Dyad? An Empirical Study Examining the Relationship Between Consumer Religious Commitment, Christian Conservatism and the Ethical Judgment of a Seller’s Controversial Business Decision. Journal of Business Ethics, 102(4), 581–598. https://doi.org/10.1007/s10551-011-0829-6

Thalib, P., Kurniawan, F., & Kholiq, M. N. (2020). The Application of Quranic Interpretation, The Sunna and Ijtihad as The Source of Islamic Law. Rechtidee Jurnal Hukum, 15(2), 193–206.

The Royal Islamic Strategic Studies Centre. (2023). The Muslim 500: The World’s 500 Most Influential Muslims. The Royal Islamic Strategic Studies Centre.

Umuri, K., & Ibrahim, A. (2020). Analisis Perilaku Pedagang Kaki Lima Menurut Tinjauan Etika Bisnis Islam. Jurnal Iqtisaduna, 6(2), 187-197.

Verhagen, T., & Van Dolen, W. (2011). The influence of online store beliefs on consumer online impulse buying: A model and empirical application. Information and Management, 48(8), 320–327. https://doi.org/10.1016/j.im.2011.08.001

Verplanken, B., & Herabadi, A. (2001). Individual differences in impulse buying tendency: feeling and no thinking. European Journal of Personality, 15(1 suppl.). https://doi.org/10.1002/PER.423

Worldometer. (2024). Countries of the world. Retrieved from https://www.worldometers.info/geography/countries-of-the-world/

Zainul, N., Osman, F., & Mazlan, S. H. (2004). E-Commerce from an Islamic perspective. Electronic Commerce Research and Applications, 3(3), 280–293. https://doi.org/10.1016/j.elerap.2004.01.002

Zaki, M. (2021). Jual Beli Terlarang Dalam Perspektif Fikih Mu’amalah (Ba’i An-Najsy Dan Ba’i Al-Ghubn). ISTIKHLAF: Jurnal Ekonomi, Perbankan Dan Manajemen Syariah, 3(1), 17–25. https://doi.org/10.51311/ISTIKHLAF.V3I1.273

Zhang, G., Li, Z., Huang, J., Wu, J., Zhou, C., Yang, J., & Gao, J. (2022). eFraudCom: An E-commerce Fraud Detection System via Competitive Graph Neural Networks. ACM Transactions on Information Systems (TOIS), 40(3). https://doi.org/10.1145/3474379

Zhao, M., An, B., Gao, W., & Zhang, T. (2017). Efficient label contamination attacks against black-box learning models. Proceedings of the Twenty-Sixth International Joint Conference on Artificial Intelligence, 3945-3951. https://doi.org/10.24963/ijcai.2017/551

Zhao, M., An, B., Yu, Y., Liu, S., & Pan, S. (2018). Data poisoning attacks on multi-task relationship learning. In Proceedings of the Thirty-Second AAAI Conference on Artificial Intelligence (Vol. 32, No. 1). https://doi.org/10.1609/aaai.v32i1.11838

Zhao, M., Li, Z., An, B., Lu, H., Yang, Y., & Chu, C. (2018). Impression allocation for combating fraud in e-commerce via deep reinforcement learning with action norm penalty. Proceedings of the Twenty-Seventh International Joint Conference on Artificial Intelligence (IJCAI), 3940–3946. https://doi.org/10.24963/ijcai.2018/548




DOI: http://dx.doi.org/10.22373/share.v14i1.23296

Refbacks

  • There are currently no refbacks.




Copyright (c) 2025 Randhy Nugroho, Ely Nurhayati

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.