Digital Transformation of Qardh in Online Arisan: Justice, Ta'awun, and Sharia Protection on Social Media

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Authors

  • Anggun Humairah Aziz Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia image/svg+xml
  • Devi Rismayanti Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia image/svg+xml
  • Syaira Destiani Syawal Aulia Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia image/svg+xml
  • Liya Setiawati Department of Management, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia image/svg+xml

DOI:

https://doi.org/10.69725/jies.v2i3.376

Keywords:

Qardh, Ta’awun, Online Arisan, Sharia Protection, Islamic Economics

Abstract

Purpose—This study examines the practice of online arisan on social media platforms through the principle of the qardh (benevolent loan) contract in Islamic economics. It investigates how digital transformation reshapes the values of justice (al-'adl) and mutual assistance (ta'awun) in rotating savings and credit associations and identifies the Sharia-based protection mechanisms required to safeguard participants in platform-mediated arisan arrangements.

Design/methodology/approach – A qualitative library research approach is employed, drawing on secondary sources including peer-reviewed journals, classical and contemporary Islamic economics texts, books, media reports, and digital materials. Data are analyzed descriptively and interpretively to assess the relevance of qardh principles to online arisan practices, using thematic content analysis to identify patterns of justice, ta'awun, and Sharia protection across the collected sources.

Findings—The findings indicate that online arisan remains essentially a qardh-based arrangement and is permissible in Islamic economics as long as it is free from riba, gharar, maysir, and injustice. However, the shift from traditional face-to-face arisan to social media-based platforms reduces direct oversight and increases risks of fraud, default (wanprestasi), and unequal burden, particularly in "decreasing arisan" schemes where early recipients pay more. Protection measures include prudential member selection, transparent written agreements, transparent fund management, avoidance of riba-based penalties, and musyawarah-based dispute resolution. The digital environment introduces new dimensions of vulnerability that require adaptive Sharia-compliant safeguards to preserve the ethical foundations of qardh.

Originality/value—This study contributes to Islamic economics and digital finance literature by conceptualizing online arisan as a digital transformation of qardh that poses new challenges to justice and ta'awun. It offers a Sharia-based protection framework emphasizing transparency, equality, and prudential principles for platform-based mutual assistance, thereby extending classical qardh theory into the contemporary digital finance context and providing practical guidance for platform operators, regulators, and Muslim communities engaged in online arisan.

 

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Author Biographies

  • Anggun Humairah Aziz, Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia

    Anggun Humairah Aziz is affiliated with the Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java, Indonesia. Her research interests focus on Islamic accounting, Sharia-compliant financial practices, digital finance, and the ethical dimensions of Islamic economic transactions. She is particularly interested in how digital transformation reshapes traditional financial practices such as qardh-based mutual assistance, and how Sharia principles of justice (al-'adl) and mutual cooperation (ta'awun) can be preserved in platform-mediated environments.

  • Devi Rismayanti, Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia

    Devi Rismayanti is affiliated with the Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java, Indonesia. Her academic interests include financial reporting, Sharia governance, digital financial literacy, and the application of Islamic economic principles in contemporary financial practices. Her research emphasizes the importance of transparency, accountability, and prudent financial management in both formal and informal Islamic financial institutions.

  • Syaira Destiani Syawal Aulia, Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia

    Syaira Destiani Syawal Aulia is affiliated with the Department of Accounting, STIE Gema Widya Bangsa, Bandung, West Java, Indonesia. Her research focuses on auditing, Sharia compliance assessment, risk management in Islamic financial systems, and the protection of consumers in digital financial platforms. She is interested in how regulatory frameworks and Sharia governance mechanisms can safeguard participants in emerging forms of digital cooperation and mutual assistance.

  • Liya Setiawati, Department of Management, STIE Gema Widya Bangsa, Bandung, West Java 40623, Indonesia

    Liya Setiawati is affiliated with the Department of Management, STIE Gema Widya Bangsa, Bandung, West Java, Indonesia. Her research interests encompass Islamic management, financial inclusion, digital economy, and the socio-economic dimensions of Sharia-compliant business practices. She has a particular interest in the development of ethical and inclusive financial ecosystems that align with maqashid al-Shariah, especially in the context of community-based mutual assistance and digital transformation of traditional practices.

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2025-12-10

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Vol. 2 No. 3 (2025): December

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Copyright (c) 2025 Anggun Humairah Aziz, Devi Rismayanti, Syaira Destiani Syawal Aulia, Liya Setiawati (Author)

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How to Cite

Aziz, A. H., Rismayanti, D. ., Aulia, S. D. S. ., & Setiawati, L. . (2025). Digital Transformation of Qardh in Online Arisan: Justice, Ta’awun, and Sharia Protection on Social Media. Journal International Economic Sharia, 2(3), 160-170. https://doi.org/10.69725/jies.v2i3.376
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