Cashback pada Aplikasi Dompet Digital, Apakah Masuk Riba?

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href="/web/20190523063532/http://www.nu.or.id/indeks">Indeks</a></li></ul></nav> </div> </div>  </header> <input type="hidden" id="sosName" value="NU Online"> <input type="hidden" id="sosPic" value="http://www.nu.or.id/o-images/imageContent.php?cl=nu_or_id&assets=pictures&cnt=post&type=mid&files=15577304185cd9147224238.jpg"> <input type="hidden" id="realURL" value="http://www.nu.or.id/post/read/106151/cashback-pada-aplikasi-dompet-digital-apakah-masuk-riba"> <input type="hidden" id="sosDesc" value="Pada saat user memutuskan penambahan saldo deposit pada dompet deposit yang dimiliki, pada dasarnya akad"> <section class="m-t-10"> <div class="container arsip"> <div class="content-710"> <div class="s-title"><h1>Cashback pada Aplikasi Dompet Digital, Apakah Masuk Riba?</h1></div> <div class="s-info"> Senin, 13 Mei 2019 14:45 <span class="right"><a href="/web/20190523063532/http://www.nu.or.id/post/59/bahtsul+masail/" class="cat"><i class=""></i> Bahtsul Masail</a></span> <p class="sosmed"> 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</div> <div id="konten_detil" style="z-index:2;"> <div> <div class="s-foto" style="position: relative;"> <img src="https://web.archive.org/web/20190523063532im_/http://www.nu.or.id/o-client/nu_or_id/pictures/post/big/15577304185cd9147224238.jpg" alt="Cashback pada Aplikasi Dompet Digital, Apakah Masuk Riba?" style="width:100%;"> </div> <div class="s-post"><div><span style="font-style: italic;">Assalamu 'alaikum</span>,<br></div><div>Yth. Redaksi NU Online. Saya seorang penjual pulsa yang memakai aplikasi dompet digital. Yang mau saya tanyakan bagaimana hukumnya kalau dapat <span style="font-style: italic;">cashback </span>dari aplikasi dompet digital 50% misalnya dengan <span style="font-style: italic;">max cashback </span>25.000 ribu rupiah dan saya pakai <span style="font-style: italic;">cashback </span>itu saat ada pembeli pulsa 50.000 ribu rupiah, jadi saya bayar ke aplikasi dompet digital 25.000 ribu rupiah namun yang saya dapat dari pembeli uang tunai 45.000 sampai 50.000 ribu rupiah. Jadi keuntungan saya 20.000 sampai 25.000 rupiah saat ada <span style="font-style: italic;">cashback</span>. Apakah transaksi seperti ini termasuk riba atau bukan? Sebelumnya terima kasih atas jawabannya. Salam. (M Arifin, Warga NU Desa Gampang)</div><div><br></div><div><span style="font-weight: bold;">Jawaban</span></div><div><br></div><div><span style="font-style: italic;">Wa'alaikumus salam warahmatullahi wabarakatuh</span>, </div><div>Penanya yang budiman, semoga rahmat Allah subhanahu wata’ala senantiasa tercurah kepada kita sehingga kita senantiasa diberi kelancaran dalam menjalani rutinitas sehari-hari. </div><div><br></div><div>Pada intinya, pertanyaan Saudara bisa saya petakan sebagai berikut:</div><div><br></div><div>1. Hukum <span style="font-style: italic;">cashback</span> dari penggunaan aplikasi digital</div><div>2. Hukum saat <span style="font-style: italic;">cashback </span>tersebut dipergunakan untuk transaksi jual beli pulsa</div><div>3. Apakah dari kedua transaksi ini ada unsur ribanya?</div><div><br></div><div><span style="font-weight: bold;">Hukum <span style="font-style: italic;">cashback </span>penggunaan aplikasi digital</span></div><div><br></div><div>Saudara penanya yang dirahmati Allah! Saat kita bertransaksi belanja dengan menggunakan aplikasi tertentu, misalnya lewat Tokopedia atau Lazada, dan aplikasi semisalnya, kadang setelah selesai transaksi kita mendapatkan kembalian berupa <span style="font-style: italic;">cashback </span>yang diberikan langsung oleh admin masing-masing pengembang aplikasi. <span style="font-style: italic;">Cashback </span>ini langsung masuk ke dalam dompet saldo deposit kita, sehingga berwujud sebagai uang digital yang bisa kita pakai apa saja untuk melakukan transaksi kembali. </div><div><br></div><div>Hukum <span style="font-style: italic;">cashback </span>ini adalah halal, statusnya sama dengan <span style="font-style: italic;">cashback </span>yang kita terima akibat adanya program diskon di Supermarket atau mal di Jakarta atau kota besar lainnya. Jadi, sampai di sini statusnya jelas khusus untuk <span style="font-style: italic;">cashback </span>ini. Persis sama dengan ketika Anda jual beli secara langsung tatap muka, lalu Anda mendapatkan uang kembalian karena kebetulan ada program diskon.</div><div><br></div><blockquote><span style="font-weight: bold;"><span style="font-size: 12px;">Baca juga:</span><br></span><span style="font-weight: bold;"><span style="font-size: 12px;">• <a href="https://web.archive.org/web/20190523063532/http://www.nu.or.id/post/read/100573/adakah-unsur-riba-pada-aplikasi-gopay-ovo-dan-gofood " target="_blank">Adakah Unsur Riba pada Aplikasi GoPay, OVO dan GoFood?</a></span><br></span><span style="font-weight: bold; font-size: 12px;">• <a href="https://web.archive.org/web/20190523063532/http://www.nu.or.id/post/read/96731/hukum-aparat-mematok-tarif-dan-membatasi-gerak-taksi-online " target="_blank">Hukum Aparat Mematok Tarif dan Membatasi Gerak Taksi Online</a></span></blockquote><div><span style="font-weight: bold;"><span style="font-style: italic;">Cashback </span>yang masuk ke dalam dompet deposit</span><br></div><div><br></div><div>Status <span style="font-style: italic;">cashback </span>yang masuk dalam dompet saldo deposit adalah berstatus duyun (utang perusahaan ke nasabah). Ia kedudukannya sama dengan status hukum uang virtual yang terdapat di dalam kartu e-tol dan sejenisnya. Dengan demikian, uang itu adalah uang user (pengguna/retailer). Ia bisa menggunakan kapan saja. </div><div><br></div><div>Apakah statusnya ada ribanya? Riba bisa diputuskan manakala ada pengurangan atau penambahan jumlahnya akibat pengelolaan dari admin. Dan selama ini, yang dijumpai oleh penulis, saldo deposit itu tidak bertambah ataupun berkurang. Dengan demikian, positif tidak ada ribanya. </div><div><br></div><div>Saat saldo deposit ditambah oleh user untuk belanja pulsa</div><div><br></div><div>Pada saat user memutuskan penambahan saldo deposit pada dompet deposit yang dimiliki, pada dasarnya akad yang dipergunakan oleh user adalah akad <span style="font-style: italic;">wadi'ah yadu al dlammânah </span>(titip dengan jaminan dapat diambil sesuai jumlahnya, kapan saja). Status deposit yang terkumpul adalah duyun (utang admin ke user). </div><div><br></div><div>Jika total deposit awal adalah sebesar 20 ribu rupiah, sementara penambahan deposit adalah sebesar 35 ribu rupiah maka total deposit adalah sebesar 55 ribu rupiah. </div><div><br></div><div>Dan jika nilai pulsa yang dijual sebesar 50 ribu rupiah, dengan harga jual pulsa senilai 52 ribu rupiah, maka pada dasarnya nilai 52 ribu ini bukan tukar menukar uang 52 ribu dengan 50 ribu, melainkan akad sewa "manfaat" pulsa senilai 50 ribu dengan besar nilai sewa 52 ribu. Jadi, transaksi ini tidak masuk dalam transaksi ribawi melainkan transaksi <span style="font-style: italic;">ijarah </span>(sewa menyewa manfaat). </div><div><br></div><div>Apakah pulsa merupakan manfaat? Iya, pulsa adalah manfaat. Oleh karenanya ia masuk dalam rumpun harta. Ingat bahwa yang dimaksud dengan harta adalah kadang berupa barang wujud dan kadang berupa manfaat. Itulah sebabnya, pulsa menempati <span style="font-style: italic;">maqam</span> "harta". </div><div><br></div><div>Jika pulsa 50 ribu, saudara penanya jual dengan harga 45 ribu dengan memanfaatkan saldo deposit, maka itu masuk akad bai'u al-khassârah (banting harga). Apakah boleh? Boleh. Bahkan andaikan saudara jual dengan harga 30 ribu dengan memanfaatkan saldo deposit pun juga boleh. Sudah pasti kerugian ada pada saudara. Dan ini bukan termasuk akad riba. </div><div><br></div><div>Demikian jawaban dari kami, semoga jawaban singkat ini dapat membantu memecah pemahaman saudara. <span style="font-style: italic;">Wallahu a'lam bish shawab</span>. </div><div><br></div><div><br></div><div><span style="font-style: italic;"><span style="font-weight: bold;">Ustadz Muhammad Syamsudin</span>, Sekretaris Bidang Maudlu'iyah LBM PWNU Jawa Timur; Peneliti Bidang Ekonomi Syariah Aswaja NU Center PWNU Jawa Timur</span></div><div><br></div></div> </div> </div> <p class="m-30">  </p> <div class="clearfix"></div> <div class="s-terkait"> <div class="s-title"><h3>Baca Juga</h3></div> <div class="s-konten"> <div class="row"> <div class="col-md-4 bra"> <div class="pst"> <div class="foto"> <a href="/web/20190523063532/http://www.nu.or.id/post/read/105765/alasan-beda-pendapat-yang-mengharamkan-dan-membolehkan-asuransi"><img 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