Prinsip Qardh dalam QS. Al-Baqarah Ayat 245: Kajian Tafsir Tahlili dan Implementasinya pada Platform Fintech Syariah di Indonesia
DOI:
https://doi.org/10.54065/BaytAl-Hikmah.746Kata Kunci:
Islamic Fintech, Investree Syariah, Qardh, Tahlili ExegesisAbstrak
The rapid development of Islamic financial technology has created a growing need to ensure that digital financial practices remain consistent with the normative principles of Sharia, particularly in the application of qardh contracts. This study aims to analyze Qur'an Surah Al-Baqarah verse 245 using the tahlili interpretation method and to examine the implementation of the qardh concept in Islamic fintech practices, particularly in Investree Syariah. The research employs a qualitative approach using descriptive-analytical library research based on Qur'anic exegesis, Islamic jurisprudence, Sharia regulations, and Islamic economics literature. The findings show that Qur'an Surah Al-Baqarah verse 245 contains an encouragement to spend wealth in the cause of Allah through the metaphorical expression of “lending to Allah,” which serves as spiritual motivation to promote generosity and social responsibility. Linguistic analysis reveals the use of rhetorical expressions, majaz, and emphasis on multiplied rewards as encouragement to perform good deeds. From the perspective of Islamic jurisprudence, the verse reflects the principles of tabarru’, mutual assistance, sincerity, and the prohibition of stipulated benefits that may lead to riba. In the context of modern Islamic economics, the qardh concept provides a normative foundation for Islamic fintech contracts. In Investree Syariah, qardh is implemented alongside wakalah bil ujrah, separating benevolent financing from platform service fees. These findings imply that Islamic fintech providers should maintain a clear distinction between social and commercial contracts and ensure transparent service fees to preserve Sharia compliance. The study concludes that the implementation of qardh in Islamic fintech is generally consistent with Sharia principles, although continuous supervision remains necessary.
Referensi
Arvianto, G., Cortez, M. B., Widyastuti, V. R., & Ilmada, Z. (2021). Analisis akad-akad dalam fintech P2P lending syariah di Indonesia. Academica: Journal of Multidisciplinary Studies, 5(1), 183–196. https://doi.org/10.22515/academica.v5i1.4116
Avrilia, K. M. (2021). Riya’ menurut Hamka dalam Tafsir Al-Azhar [Skripsi, Institut Agama Islam Negeri Bengkulu].
Damayanti, G. N., Rahmawati, N. H., Nafsintomi, U. K., Handayani, U. N. R., & Falikhatun. (2023). Analisis penerapan akad wakalah bil ujrah pada aplikasi Ethis (aplikasi pendanaan berbasis syariah). Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam, 8(2), 279–294. https://doi.org/10.47435/adz-dzahab.v8i2.1980
Dewan Syariah Nasional–Majelis Ulama Indonesia. (2001). Fatwa Dewan Syariah Nasional No. 19/DSN-MUI/IV/2001 tentang Al-Qardh.
Fitria, I., Santi, S., Mufallahah, I., & Islamiyah, I. (2025). Telaah hutang piutang dalam Al-Qur’an. MAHABBAH: Jurnal Ilmu Ushuluddin dan Pemikiran Islam, 1(2), 147–152.
Hidayah, N., Rosidi, A. R., & Shofiyani, A. (2023). Konsep ikhlas menurut Imam Al-Ghazali dan relevansinya terhadap tujuan pendidikan Islam. Urwatul Wutsqo: Jurnal Studi Kependidikan dan Keislaman, 12(2), 190–207. https://doi.org/10.54437/urwatulwutsqo.v12i2.957
Hidayati, T., & Hidayatullah, M. S. (2022). Konstruksi utang-piutang (qardh) dan penggunaannya pada bank syariah di Indonesia: Pendekatan tafsir ayat ahkam. Al-Mizan, 18(1), 55–76. https://doi.org/10.30603/am.v18i1.2307
Kahar, K., Abubakar, A., & Khalid, R. (2022). Al-Qardh (pinjam-meminjam) dalam perspektif Al-Qur’an. Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam, 7(2), 199–209. https://doi.org/10.47435/adz-dzahab.v7i2.1075
Kasanah, N. (2021). Model filantropi Nahdliyin: Menghimpun infaq menebar manfaat melalui gerakan Koin NU. Penerbit Adab.
Lestari, A., & Khoiriyah, U. K. (2025). Innovation of money offering in digital landscape of Sharia perspective: Challenges and prospects. Regulate: Jurnal Ilmu Pendidikan, Hukum dan Bisnis, 2(1), 22–37. https://doi.org/10.61166/regulate.v2i1.10
Makmur, M. (2025). Matematika spiritual: Eksplorasi konsep pahala dalam ajaran Islam. Dahzain Nur, 15(1), 18–27. https://doi.org/10.69834/dn.v15i1.286
Marlina, A. S., & Fatwa, N. (2021). Fintech syariah sebagai faktor pendorong peningkatan inklusivitas usaha mikro kecil dan menengah di Indonesia. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 412–422. https://doi.org/10.25299/jtb.2021.vol4(2).7804
Maulida, S., Hasan, A., & Umar, M. (2020). Implementasi akad pembiayaan qard dan wakalah bil ujrah pada platform fintech lending syariah ditinjau berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) dan Fatwa DSN-MUI. Al-Tijary, 5(2), 175–189. https://doi.org/10.21093/at.v5i2.2303
Mubarak, M. S. (2023). Perspektif Tafsir Al-Mishbah tentang membangun kesadaran untuk kembali pada Allah Swt. Pappasang, 5(1), 93–118. https://doi.org/10.46870/jiat.v5i1.542
Muna, K. (2022). Al-Qard sebagai penerapan akad tabarru’. Al-Hiwalah: Journal of Sharia Economic Law, 1(2), 101–124. https://doi.org/10.47766/alhiwalah.v1i2.805
Mustin, H., Darussalam, S., & Sulaiman, U. (2025). Peradaban Islam pada masa Usman Bin Affan. Socius: Jurnal Penelitian Ilmu-Ilmu Sosial, 3(1), 859–868. https://doi.org/10.5281/zenodo.16277846
Nauli, K., Nauli, H., Hulu, R. A. T., Munthe, K., & Silalahi, D. (2025). Transformasi digital dalam manajemen keuangan: Tinjauan literatur terstruktur terhadap peran fintech dalam efisiensi dan inklusi keuangan. SIBATIK Journal: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan, 4(6), 939–952. https://doi.org/10.54443/sibatik.v4i6.2836
Patoni, L. M. I., Budiono, A., Sutopo, Hayet, Syahril, Kuswianto, D., & Yuwono, C. (2025). Ekonomi syariah. Yayasan Tri Edukasi Ilmiah.
Priyoga, B. A., & Junaidi, M. (2026). Peran qiyas dalam pengembangan hukum Islam kontemporer. Bayt Al Hikmah: Jurnal Pendidikan dan Pengembangan Masyarakat Islam, 2(1), 82–92. https://doi.org/10.54065/BaytAl-Hikmah.612
Rahman, M. A. (2023). Gaya bahasa Al-Qur’an tentang orang yang berinfaq: Studi stilistika Al-Qur’an QS Al-Baqarah ayat 264–267 [Skripsi, UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan].
Ridoh, M. R. (2024). Multi akad pada transaksi pengalihan utang dalam Fatwa Dewan Syari’ah Nasional–Majelis Ulama Indonesia (DSN-MUI). Jurnal Kolaboratif Sains, 7(1), 599–602. https://doi.org/10.56338/jks.v7i1.4886
Romdoni, M. P. (2023). Asbab al-Nuzul in Surah Al-Baqarah (2): Mulla Huwaisy perspective of critical matn and sanad. Jurnal Iman dan Spiritualitas, 3(3), 521–530. https://doi.org/10.15575/jis.v3i3.30400
Sulistiawati, A., Safri, A., Arimbi, A. A., & Hastuty, A. (2025). Integrasi prinsip syariah dalam pengembangan fintech: Tantangan dan peluang. Al-Buhuts, 21(1), 1–20. https://doi.org/10.30603/ab.v21i1.6428
Susanto, A. (2023). Transaksi utang-piutang berbasis online di aplikasi Pinjam Yuk menurut perspektif Islam. SAMAWA: Jurnal Hukum Keluarga Islam, 3(1), 61–85. https://doi.org/10.53948/samawa.v3i1.76
Ubaidillah, U. (2023). Analisis hukum Islam terhadap Shopee Paylater pada sistem jual beli online. Istidlal: Jurnal Ekonomi dan Hukum Islam, 7(1), 53–65. https://doi.org/10.35316/istidlal.v7i1.478
Wahid, A. Q., Ridwan, M. S., & Maloko, M. T. (2026). Pelaksanaan perjanjian Appita’gala’ Butta (gadai tanah) di Kecamatan Pangkajene Kabupaten Pangkep perspektif fiqih muamalah. Bayt Al Hikmah: Jurnal Pendidikan dan Pengembangan Masyarakat Islam, 2(1), 45–57. https://doi.org/10.54065/BaytAl-Hikmah.587
Zulfa, M., & Kasniah. (2022). Sistem hutang piutang dibayar hasil tani ditinjau dari perspektif ekonomi Islam. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(1), 87–97. https://doi.org/10.25299/syarikat.2022.vol5(1).9896
Zulfikri, R. R., Latifah, E., Shadra, Y. M., Saddriana, S., Syahril, S., & Abdussalam, A. (2025). Pengantar filantropi Islam. Yayasan Tri Edukasi Ilmiah.
