IMPLEMENTASI AKAD WAKALAH TRANSAKSI REKSADANA SYARIAH PADA PRODUK SUCORINVEST SHARIA MONEY MARKET FUND TINJAUAN HUKUM EKONOMI SYARIAH (Studi Pada Aplikasi Bibit.id)

CHANDA, JOSI PRATIWI (2025) IMPLEMENTASI AKAD WAKALAH TRANSAKSI REKSADANA SYARIAH PADA PRODUK SUCORINVEST SHARIA MONEY MARKET FUND TINJAUAN HUKUM EKONOMI SYARIAH (Studi Pada Aplikasi Bibit.id). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Berkembangnya teknologi fintech di Indonesia menjadikan investasi reksadana syariah marak dilakukan secara online salah satunya adalah melalui aplikasi bibit.id. Salah satu produk reksadana syariah yang ada pada aplikasi bibit.id dan banyak diminati oleh masyarakat adalah produk reksadana syariah Sucorinvest Sharia Money Market Fund karena reksadana syariah ini memiliki risiko yang rendah dan imbal hasil yang stabil. Hal ini menimbulkan perdebatan dan kekhawatiran dari segi hukum ekonomi syariah, terutama terkait dengan kejelasan akad wakalah yang terjadi antara investor dan manajer investasi. Rumusan masalah penelitian yaitu: Bagaimana Implementasi Akad Wakalah Terhadap Transaksi Reksadana Syariah Pada Produk Sucorinvest Sharia Money Market Fund di Aplikasi Bibit.id? dan Bagaimana Tinjauan Hukum Ekonomi Syariah Tehadap Transaksi Reksadana Syariah Produk Sucorinvest Sharia Money Market Fund di Aplikasi Bibit.id? Tujuan penelitian ini adalah untuk mengetahui mekanisme akad wakalah terhadap transaksi reksadana syariah pada produk Sucorinvest Sharia Money Market Fund di Aplikasi Bibit.id, kemudian untuk mengetahui tinjauan hukum ekonomi syariah terhadap implemetasi akad wakalah transaksi reksadana syariah produk Sucorinvest Sharia Money Market Fund di Aplikasi Bibit.id. Penelitian ini termasuk penelitian lapangan (field research). Analisis data pada penelitian ini dilakukan dengan cara kualitatif. Data berasal dari data primer dan data sekunder yang diperoleh langsung dari Al-Quran, Hadits, serta buku-buku. Metode pengumpulan data dilakukan dengan cara wawancara dan dokumentasi dengan data-data yang ada dilapangan. Metode analisis yang dilakukan yaitu deskriptif kualitatif. Berdasarkan hasil penelitian, ditemukan bahwa Implementasi akad wakalah pada transaksi reksadana syariah produk Sucorinvest Sharia Money Market Fund di aplikasi bibit.id, transaksi ini dilakukan secara online antara investor sebagai muwakil dan manajer investasi sebagai wakil. Dalam pembelian reksadana syariah Sucorinvest Sharia Money Market Fund di aplikasi bibit.id dijelaskan secara rinci mengenai alokasi biaya dan kewajiban yang harus dibayarkan oleh unit penyertaan reksadana syariah produk Sucorinvest Sharia Money Market Fund, Manajer Investasi, dan Investor didalam prospektus reksadana syariah produk Sucorinvest Sharia Money Market Fund, yang bisa diakses pada platform aplikasi bibit.id. Ujrah yang didapat oleh manajer investasi adalah maksimum sebesar 1,5% per tahun yang diperhitungkan secara harian dari nilai aktiva bersih reksadana syariah dan dibayarkan setiap bulan. Tinjauan hukum ekonomi syariah berdasarkan analisis praktik investasi reksana syariah Sucorinvest Sharia Money Market Fund di aplikasi bibit.id, berdasarkan akad wakalah yang menyebutkan bahwa wakil harus mendapatkan ujrah yang disepakati muwakil dan wakil. Hal ini sudah sesuai dengan hukum ekonomi syariah, transaksi reksadana syariah Sucorinvest Sharia Money Market Fund di platform aplikasi bibit.id dinilai tidak mengandung unsur gharar atau unsur ketidakjelasan dan dinilai sah dilakukan. Kata Kunci: Reksadana Syariah, Akad Wakalah, Aplikasi Bibit.id. ABSTRACT The development of fintech technology in Indonesia has made Islamic mutual fund investment rampant online, one of which is through the bibit.id application. One of the Islamic mutual fund products available on the bibit.id application and is in great demand by the public is the Sucorinvest Sharia Money Market Fund Islamic mutual fund product because this Islamic mutual fund has low risk and stable returns. This raises debates and concerns in terms of Islamic economic law, especially regarding the clarity of the wakalah contract that occurs between investors and investment managers. The formulation of the research problem is: How is the Implementation of Akad Wakalah on Sharia Mutual Fund Transactions on Sucorinvest Sharia Money Market Fund Products in the Bibit.id Application? and How is the Sharia Economic Law Review of Sharia Mutual Fund Transactions on Sucorinvest Sharia Money Market Fund Products in the Bibit.id Application? The purpose of this research is to find out the mechanism of the wakalah contract on Islamic mutual fund transactions on Sucorinvest Sharia Money Market Fund products on the Bibit.id Application, then to find out the review of Islamic economic law on the implementation of the wakalah contract on Islamic mutual fund transactions for Sucorinvest Sharia Money Market Fund products on the Bibit.id Application. This research includes field research. Data analysis in this research is carried out in a qualitative way. The data comes from primary data and secondary data obtained directly from the Al-Quran, Hadith, and books. The data collection method is carried out by means of interviews and documentation with data in the field. The method of analysis is descriptive qualitative. Based on the results of the study, it was found that the implementation of the wakalah contract in the Islamic mutual fund transaction of Sucorinvest Sharia Money Market Fund products in the bibit.id application, this transaction is carried out online between the investor as a muwakil and the investment manager as a representative. In purchasing Sucorinvest Sharia Money Market Fund Islamic mutual funds on the bibit.id application, it is explained in detail about the allocation of fees and obligations that must be paid by the Sucorinvest Sharia Money Market Fund Islamic mutual fund participation unit, the Investment Manager, and the Investor in the prospectus of the Sucorinvest Sharia Money Market Fund Islamic mutual fund product, which can be accessed on the bibit.id application platform. The fee earned by the investment manager is a maximum of 1.5% per year which is calculated daily from the net asset value of Islamic mutual funds and paid monthly. The review of sharia economic law based on the analysis of the investment practices of Sucorinvest Sharia Money Market Fund Islamic mutual funds in the bibit.id application, based on the wakalah contract which states that the deputy must get ujrah agreed upon by the muwakil and the deputy. This is in accordance with Islamic economic law, Sucorinvest Sharia Money Market Fund Islamic mutual fund transactions on the bibit.id application platform are considered not to contain elements of gharar or elements of uncertainty and are considered valid. Keywords: Sharia Mutual Fund, Wakalah Contract, Bibit.id Application.

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