REVIEW OF ISLAMIC LAW REGARDING DIGITAL PAYMENT SERVICES “DANA” APPLICATION TRANSACTIONS

Abstract

This research examines the suitability of digital payment transactions through the DANA application with the principles of Islamic law. The DANA application, as one of the most popular digital wallet platforms in Indonesia, offers various transaction services that make it easier for users to make digital payments.  The approach used in this research is qualitative with descriptive-analytical methods. Data was obtained through in-depth interviews with DANA application users and direct observation of application use. Data analysis was carried out by identifying the conformity of DANA transaction practices with sharia principles. This research shows the importance of adjusting the transaction mechanism in the DANA application to eliminate the element of usury, as well as ensuring that every transaction is carried out with transparency and clear certainty. The DANA application and similar digital transaction services can be used in accordance with Islamic law as long as they comply with the principles of justice, transparency, security, and do not contain elements of usury. So using the DANA application can provide great benefits for Muslims, as long as it is carried out in a way that is in accordance with Islamic teachings.