TINJAUAN HUKUM EKONOMI SYARIAH TENTANG PENGGUNAAN ROBO ADVISOR DALAM ISLAMIC WEALTH MANAGEMENT (Studi Pustaka Robo Advisor di Indonesia Tahun 2022)
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Jul 27, 2023
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Abstract
Robo advisor is a technology that can assist investors in managing their portfolios. In the context of Islamic finance, transactions and business relationships must ensure compliance with Sharia principles in order to preserve wealth and meet needs. The use of robo advisors in this context has not been extensively researched. This study aims to determine the use of robo advisors in Islamic wealth management. The research method used is literature review with a normative approach and descriptive-analytical analysis. The data used are from literature on the use of robo advisors and Islamic wealth management in Indonesia over the past five years. Based on the workings of robo advisors, various benefits and limitations are found in their use. The conclusion of the analysis of maṣlaḥah (public interest), functionality, and the urgency of using robo advisors shows that their use in Islamic wealth management can be considered permissible as a means for retail investors and beginners to safeguard wealth (ḥifẓ al-mâl) by applying filters for Sharia-compliant investment instruments and adhering to prohibitions on riba (usury), gharar (uncertainty), maysir (gambling), and haram (forbidden). The research recommendation is to conduct further research on the technical aspects and algorithms used by robo advisors in selecting Sharia-compliant investment instruments, and a sound framework of supervision and regulation is needed to ensure the compliance of robo advisors with Sharia principles and the protection of investors' interests.
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How to Cite
Irawan, B., Maimun, M., Faizal, L., & Zaki, M. (2023). TINJAUAN HUKUM EKONOMI SYARIAH TENTANG PENGGUNAAN ROBO ADVISOR DALAM ISLAMIC WEALTH MANAGEMENT (Studi Pustaka Robo Advisor di Indonesia Tahun 2022). AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(2), 1157-1174. https://doi.org/10.37680/almanhaj.v5i2.3214
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Dahlan Tamrin, 2007, Filsafat Hukum Islam, Malang, UIN-Malang Press
Data Indonesia, https://dataindonesia.id/digital
Deloitte dan Avaloq, Emerging Models Of Digital Advisory, https://www2.deloitte.com/
Dewan Syariah Nasional, Majelis Ulama Indonesia, https://dsnmui.or.id/kategori/fatwa/
Elif Pardiansyah, Investasi dalam Perspektif Ekonomi Islam: Pendekatan Teoritis dan Empiris, Economica, Jurnal Ekonomi Islam , 8(2)
Fathurrahman Djamil, 2013, Hukum Ekonomi Islam: Sejarah, Teori, dan Konsep, Jakarta, Sinar Grafika
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Investopedia, https://www.investopedia.com/terms/r/risk-profile.asp
Irham Fahmi dan Yovi LH, 2009, Teori Portofolio dan Analisis Investasi, Bandung, Alfabeta
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Kontan , Kerugian Penipuan Investasi Tahun 2022 Ratusan Triliun, Cek Daftar Investasi Ilegal, https://investasi.kontan.co.id/
M. Amin Abdullah, 2003, Rekontruksi Metodologi Ilmu-ilmu Keislaman, Yogyakarta, Suka Press
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Mahkamah Agung, 2008, Kompilasi Hukum Ekonomi Syariah, Jakarta, Mahkamah Agung
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Mardani, 2015, Hukum Sistem Ekonomi Islam, Jakarta, PT. Raja Gafindo Persada
Mestika Zed, 2008, Metode Penelitian Kepustakaan, Jakarta, Yayasan Obor Indonesia
Moleong, Lexy J. , 2017, Metodologi Penelitian Kualitati., Jakarta, PT Remaja Rosdakarya
Muhammad Mustafa Shalabi, 1947, Ta’lil al-Ahkam, Mesir, al-Azhar
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Nasrun Haroen, 1996, Ushul Fiqih I, Jakarta, Logos
Neni Sri Imaniyati, 2013, Perbankan Syariah dalam Persfektif Ilmu Ekonomi, Bandung, Mandar Maju
Nurfitriani, A., 2020, Robo Advisor: Future Development and Challenges for Islamic Wealth Management, Al-'Adalah: Jurnal Hukum Islam, 15(1)
Nurlita, A., 2015, Investasi Di Pasar Modal Syariah Dalam Kajian Islam, Kutubkhanah: Jurnal Penelitian Sosial Keagamaan, 17(1)
Nyoman Kutha Ratna, 2010, Metodologi Penelitian: Kajian Budaya dan Ilmu Sosiai Humaniora pada Umumnya, Yogyakarta, Pustaka Pelajar
Otoritas Jasa Keuangan (OJK), https://www.ojk.go.id/
PT Mandiri Manajemen Investasi, Manajer Investasi, Bank Kustodian, dan APERD, https://mandiri-investasi.co.id/id/artikel/manajer-investasi-bank-kustodian-dan-aperd/
PT. Prudential Life Assurance, 2014,Prufast Start, Jakarta
Pusat Bahasa, 2016, Kementerian Pendidikan dan Kebudayaan Republik Indonesia, Kamus Besar Bahasa Indonesia (edisi kelima), Jakarta, Gramedia Pustaka Utama
Rosdaniah,Abdul Azizs, 2021, Peluang Dan Tantangan Pasar Modal Syariah , MUBEZA : Pemikiran Hukum dan Ekonomi Islam,11(2)
Rozalinda, 2003, Ekonomi Islam Perspektif Yusuf al-Qodhawi, Padang, Baitul Hikmah
S. Huang, Nellie. Best of the Online Investment Advisers, https://www.kiplinger.com/slideshow/investing/t023-s002-best-of-the-online-investment-advisers-2014/index.html
Said, N. A. dan Husein, F., 2020, Pandangan Ulama Klasik tentang Kekayaan sebagai Fungsi Sosial dalam Islam, Jurnal Studi Agama dan Masyarakat, 14(2)
Sapiudin Shidiq, 2011, Ushul Fiqih, Jakarta, Kencana
Satria Effendi, M. Zein, 2017, Ushul Fiqh, Jakarta, Kencana
Sayyid Quthub, 1412 H, Fi Zhilal al-Qur’an, cet. XVII, Beirut, Dar al-Syuruq
Solihat, D. , 2021, Tinjauan Hukum Islam Terhadap Investasi Reksa Dana Secara Online Melalui Aplikasi, Studi Kasus Pada Aplikasi Bibit, UIN SMH BANTEN
Stassen, E., Robo-advisors: A comprehensive guide, Canada, HEC Montréal, https://ire.hec.ca/wp-content/uploads/2022/11/robo_10182022_Stas.pdf
Sugiono, 2019, Metode Penelitian Kuantitatif Kualitatif dan R&D, Bandung, ALFABETA
Suharsimi Arikunto,2005, Manajemen Penelitian,, Jakarta, Rineka Cipta
Suhendi, H. , 2008, Fiqh muamalah, Jakarta, Rajawali Press
Sunaryati Hartono, 1982, C.F.G, Hukum Ekonomi Pembangunan Nasional, Bandung, Bina Cipta
Surfshark, https://surfshark.com/blog/data-breach-recap-2022
Suryomurti, B. , 2016, Pengantar Bisnis Syariah: Menjadikan Bisnis Anda Lebih Berkah dan Berkah, Prenada Media Group
Tafsir Web, https://tafsirweb.com/1537-surat-an-nisa-ayat-5.html
Teuku Muhammad Hasbi Ash-Shiddieqy, 2013, Falsafah Hukum Islam, Semarang, Pustaka Rizki Putra
Theresia Natalie Hoya, 2020, Development Of Investor-Facing Robo-Advisors In Indonesia, International Business Law Tilburg University
Wahbah al-Zuhaili, 1985, al-Fiqh al-Islami wa Adillatuh, Jilid 2, Beirut, Dar al-Fikr
Wahed Securities Ltd, https://journal.wahedinvest.com/
Wisnu Marta Adipura, 2008, Metodologi Riset Komunikasi: Panduan untuk Melakukan Penelitian Komunikasi, Suntingan Pitra Narendra, Yogyakarta, Balai Kajian dan Pengembangan Informasi Yogyakarta dan Pusat Kajian Media dan Budaya Populer Yogyakarta
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Zainuddin Ali, 2006, Hukum Islam: Pengantar Ilmu Hukum Islam di Indonesia, Jakarta, Sinar Grafika