2022 7(2)

DECEMBER 2022

Status Patuh Syariah E-Money Bagi Akaun E-Wallet Popular Di Malaysia

Sharia Compliant Status of E-Money in Popular Malaysian E-Wallet Account

Khairul Azmil Md Noor, 
Postgraduate Student, Research Center for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia
Amir Fazlim Jusoh@Yusoff, amiry@ukm.edu.my
Research Center for Sharia, Faculty of Islamic Studies, Universiti Kebangsaan Malaysia
Received: March 17, 2022 | Revised: July 02, 2022 | Accepted: August 04, 2022 | Published: December 15, 2022​

2022, Vol. 7(2), pp. 11-18.  |  PDF

E-Wallet atau dompet digital merupakan aplikasi atau perkhidmatan secara online yang membolehkan seseorang melaksanakan urusniaga secara elektronik bersama pihak lain melalui pertukaran wang digital (e-Money) dengan sesuatu barangan atau perkhidmatan. Objektif kajian ini adalah untuk mengkaji status deposit e- Money dalam e-Wallet, jenis akaun penyimpanan e-Money, status ganjaran e-Wallet dan status pengeluarannya menurut syariah kerana setiap apa-apa bentuk pengurusan kewangan semasa kini memerlukan kepatuhan syariah seperti yang dituntut kepada umat islam. Kajian memfokuskan status e-Money pada tiga syarikat penyedia iaitu Touch ‘n Go eWallet, Grab Pay dan Boost. Metodologi kajian ini menggunakan kaedah kualitatif berdasarkan analisis kandungan untuk mendapatkan data dari sumber primer dan sekunder. Kajian ini mendapati e-Money yang terdapat pada ketiga-tiga e-Wallet yang dikaji secara umumnya dianggap halal tetapi masih terdapat perkara-perkara yang memerlukan kajian lanjutan.

KATA KUNCI
e-Money, e-wallet, tambah nilai, ganjaran, syariah

E-Wallet or digital wallet is an electronic application or online service that allows a person to perform electronic transactions with other parties through the exchange of digital money (e-Money) with a product or service. The objective of this study is to examine the status of e-Money deposit in e-Wallet, type of e-Money storage account, e-Wallet reward status and withdrawal status according to sharia because every such form of financial management nowadays requires shariah compliance as demanded by muslims. It will focus on three providers namely Touch ‘n Go eWallet, Grab Pay and Boost. The methodology of this study uses qualitative approach based on content analysis to obtain data from primary and secondary sources. It revealsthat e-Money in the aforementioned e-Wallets are generally considered halal but several issues need further studies.

KEYWORDS
e-Money, e-wallet, reload, rewards, sharia

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