Review of Islamic Law against Multi-Contract on Electronic Money in LinkAja Application


  • Endri Sulistiawati Universitas Muhammadiyah Surakarta
  • Imron Rosyadi Universitas Muhammadiyah Surakarta
  • A Akbar Universitas Muhammadiyah Surakarta
  • Muhamad Subhi Apriantoro Universitas Muhammadiyah Surakarta


The purpose of this study is to find out how contracts are applied to the use of the LinkAja application and to find out how islamic law reviews multi-contracts in the LinkAja application. This research is a Qualitative research related to the descriptive nature of analysis in order to understand social phenomena more deeply. The data used in this study are primary and secondary data. The data collected is data related to the topic or theory under study. Data collection techniques are used, namely interviews and also literature studies. Meanwhile, the data analysis technique carried out is triangulation where interviews, document studies, and conclusions are drawn. Based on the tests carried out, the results were obtained that the contracts collected when transacting using the Linkaja application, there were several contracts, namely, the Wadiah contract, the Qardh contract, the Ijarah contract, and finally the Jualah contract. In Islamic Law Multi Akad dPada Application Linkaja the application of the contract is allowed because the pillars and conditions have been fulfilled in accordance with sharia. A mixture of some contracts that are classified as multi-contract categories al- uqud al- mujtamiah when two or one contracts are combined into one contract. Some of the opinions of Maliki scholars, Hanafiyah scholars, Shafiiyah clerics and Hambali clerics say that multi-contracts are valid and permissible under Islamic law. From the point of view of maqashid sharia, multi-contracts inferred based on ijma' akad are valid if they do not violate the rules that have been established by Islamic law.