At-Tamwil: Journal of Islamic Economics and Finance
Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance

Produk E-Money Bank Syariah dalam Perspektif Kajian Islam

Dian Lestari Styaningrum (Universitas Islam 45)
Purnama Putra (Universitas Islam 45)

Article Info

Publish Date
28 Jun 2023


This study aims to determine the suitability of BSM E-Money products according to the DSN MUI Fatwa on one of the products at Bank Syariah Mandiri. This study used a qualitative descriptive method with data collection carri ed out through observation, interviews and documentation of two sources of informants, namely the Central Bank Syariah Mandiri Office and the DSN-MUI Institute Office. Data analysis techniques were carried out in three steps, namely: data reduction, data presentation, and drawing conclusions. The results of this study indicate that according to the DSN-MUI Fatwa, a product that has been legalized and marketed states that the product is in accordance with the DSN-MUI Fatwa No. 116 because if the product is not in accordance with the existing Fatwa or violates the provisions, the Bank Indonesia Authority or OJK has the authority to reprimand or stop the product. According to Bank Syariah Mandiri, so far BSM E-Money products are still operating in accordance with existing regulations, it can be concluded that Products in Electronic Money transactions at Bank Syariah Mandiri have complied with DSN-MUI Fatwa No. 116, approved by the Sharia Supervisory Board (DPS) and obtained a permit from Bank Indonesia or the Financial Services Authority (OJK). The product complies with sharia principles and is declared in accordance with the DSN-MUI Fatwa, only that there are sharia problems.

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Journal Info





Economics, Econometrics & Finance


This journal focused on Islamic Economics and Finance Studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, ...