Tinjauan Hukum Islam terhadap Aplikasi Bibit Sebagai Agen Penjual Reksa Dana Syariah

Penulis

  • Moh. Aqil Musthofa Institut Agama Islam Tarbiyatut Tholabah Lamongan

DOI:

https://doi.org/10.58518/al-faruq.v1i2.1461

Kata Kunci:

Bibit, mutual funds, sharia, wakalah, mudharabah

Abstrak

Abstract: Bibit application is a platform that functions as a mutual fund investment savings. Using this application is quite easy, and there is also a Robo Advisor feature to help novice investors achieve their financial goals based on their respective risk profiles. But there is also a time machine feature that contains elements that are not justified in sharia principles. Potential investors who are still new and not careful will certainly be interested in buying a mutual fund product based on the returns displayed. In fact, the calculation is only based on past performance, even if the mutual fund product chosen is an Islamic mutual fund. This paper describes the Islamic law review of Bibit application which functions as a selling agent for Sharia mutual funds. That sharia mutual fund investment transactions through Bibit application are allowed in Islamic law, using mudharabah and wakalah contracts. It's just that potential investors need to be more careful and need to understand the orientation of the investment itself, so as not to fall into losses in the future.

 

Keywords: Bibit, mutual funds, sharia, wakalah, mudharabah

 

Abstrak: Aplikasi Bibit merupakan platform yang berfungsi sebagai tabungan investasi reksa dana. Penggunaan aplikasi ini cukup mudah, dan terdapat pula fitur Robo Advisor untuk membantu para investor pemula mencapai tujuan finansialnya berdasarkan profil resiko masing-masing. Tetapi terdapat juga sebuah fitur mesin waktu yang di dalamnya mengandung unsur yang tidak dibenarkan dalam prinsip syariah. Calon investor yang masih awam dan tidak teliti tentu akan tertarik membeli suatu produk reksa dana berdasarkan imbal hasil yang ditampilkan. Padahal penghitungan tersebut hanya berdasarkan kinerja masa lalu, sekalipun produk reksa dana yang dipilih adalah reksa dana syariah. Tulisan ini mendeskripsikan tinjauan hukum Islam terhadap aplikasi Bibit yang berfungsi sebagai agen penjual reksa dana syariah. Bahwa transaksi investasi reksa dana syariah melalui aplikasi Bibit diperbolehkan dalam hukum Islam, dengan menggunakan akad mudharabah dan wakalah. Hanya saja bagi calon investor perlu lebih teliti dan perlu memahami orientasi dari investasi itu sendiri, agar tidak terjerumus pada kerugian di kemudian hari.

 

Kata kunci: Bibit, reksa dana, syariah, wakalah, mudharabah

Referensi

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Unduhan

Diterbitkan

2023-01-20

Terbitan

Vol 1 No 2 (2023): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam

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Cara Mengutip

Tinjauan Hukum Islam terhadap Aplikasi Bibit Sebagai Agen Penjual Reksa Dana Syariah. (2023). Al-Faruq: Jurnal Hukum Ekonomi Syariah Dan Hukum Islam, 1(2), 126-143. https://doi.org/10.58518/al-faruq.v1i2.1461