{"id":3094,"date":"2026-08-19T02:29:19","date_gmt":"2026-08-19T02:29:19","guid":{"rendered":"https:\/\/elhaqpubcenter.org\/insight\/?p=3094"},"modified":"2026-08-11T02:33:39","modified_gmt":"2026-08-11T02:33:39","slug":"fenomena-jasa-tukar-uang-bisnis-jasa-atau-praktik-riba","status":"publish","type":"post","link":"https:\/\/elhaqpubcenter.org\/insight\/fenomena-jasa-tukar-uang-bisnis-jasa-atau-praktik-riba\/","title":{"rendered":"Fenomena Jasa Tukar Uang: Bisnis Jasa atau Praktik Riba?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Menjelang perayaan Hari Raya Idulfitri, pemandangan para penyedia jasa penukaran uang baru di pinggir jalan telah menjadi ritual tahunan yang tidak terpisahkan dari masyarakat kita. Tradisi membagikan uang baru kepada sanak saudara mendorong tingginya permintaan pasar yang sering kali tidak mampu diakomodasi sepenuhnya oleh perbankan resmi karena keterbatasan kuota dan waktu antrean. Kehadiran para calo uang baru ini pun hadir sebagai solusi instan yang menawarkan kepraktisan. Namun, di balik kemudahan transaksi tersebut, terselip sebuah perdebatan hukum dan moral yang krusial: apakah selisih nominal yang dipatok oleh para penyedia lapak jalanan ini murni merupakan upah atas bisnis jasa, ataukah justru sebuah praktik riba yang terselubung? [<a href=\"https:\/\/www.cnbcindonesia.com\/mymoney\/20260225134439-72-713822\/mengapa-layanan-tukar-uang-baru-selalu-diburu-jelang-lebaran\">1<\/a>, <a href=\"https:\/\/www.youtube.com\/shorts\/uUZ7cjoryow\">2<\/a>]<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jika ditinjau dari kacamata hukum Islam dan ekonomi syariah, transaksi penukaran uang sejenis (rupiah dengan rupiah) memiliki aturan main yang sangat ketat dan tidak boleh dilanggar. Dalam fikih muamalah, uang adalah alat tukar, bukan komoditas barang yang boleh diperjualbelikan demi meraup keuntungan dari selisih nilainya. Konsekuensinya, penukaran uang rupiah dengan rupiah wajib memenuhi dua syarat mutlak: bernilai sama (<em>mithlan bi mithlin<\/em>) dan dilakukan secara tunai di waktu yang sama (<em>yadan bi yadin<\/em>). Ketika seseorang menukarkan uang satu lembar Rp100.000 dengan sembilan lembar Rp10.000 baru (total Rp90.000), selisih Rp10.000 tersebut secara otomatis dikategorikan sebagai riba fadl yang diharamkan, karena terjadi ketidakseimbangan nilai dalam pertukaran barang sejenis. [<a href=\"https:\/\/proceedings.unisba.ac.id\/index.php\/BCSSEL\/article\/download\/15094\/5750\">1<\/a>, <a href=\"https:\/\/masoemuniversity.ac.id\/artikel\/pentingnya-memahami-konsep-time-value-of-money-bagi-mahasiswa-perbankan-syariah-dan-manajemen-bisnis\/\">2<\/a>, <a href=\"https:\/\/umsida.ac.id\/bisnis-tukar-uang-saat-lebaran-jadi-momen-perdagangan\/\">3<\/a>, <a href=\"https:\/\/jurnal.staim-probolinggo.ac.id\/JSE\/article\/view\/3026\/1912\">4<\/a>, <a href=\"https:\/\/alhilal.or.id\/hukum-tukar-uang-baru-menurut-islam-halal-atau-haram\/\">5<\/a>]<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, sebagian masyarakat dan pelaku usaha sering kali membela praktik ini dengan dalih akad sewa jasa (<em>ijarah<\/em>). Mereka berargumen bahwa kelebihan uang yang diambil bukanlah biaya atas nilai uangnya, melainkan upah atas jasa mengantre di bank, ongkos transportasi, hingga risiko keamanan yang mereka tanggung selama menyediakan uang baru tersebut. Namun, pembelaan ini menjadi rapuh karena dalam praktiknya di lapangan, tarif atau selisih yang diminta umumnya dihitung berdasarkan persentase dari jumlah uang yang ditukar (misalnya 10% hingga 15% dari total nominal), bukan tarif jasa yang tetap (<em>flat<\/em>). Pola persentase ini semakin mengaburkan esensi akad jasa dan justru memperkuat karakteristik transaksi ribawi yang berbasis pada eksploitasi kebutuhan masyarakat. [<a href=\"https:\/\/www.instagram.com\/p\/DWAhfScie6F\/\">1<\/a>]<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Demi menjaga keberkahan dalam merayakan hari kemenangan, masyarakat dituntut untuk lebih cerdas dan berhati-hati dalam melakukan transaksi keuangan. Pemerintah dan Bank Indonesia harus lebih agresif memperluas jangkauan kas keliling serta mempermudah akses penukaran uang baru secara resmi hingga ke tingkat desa, guna memutus rantai pasok para calo jalanan. Jika terpaksa harus menggunakan jasa pihak ketiga, pastikan akadnya dilakukan secara terpisah secara tegas: uang ditukar dengan nilai yang persis sama, baru kemudian upah atas jasa draf dibayarkan secara sukarela tanpa persentase nilai tukar. Menjauhi praktik yang samar (<em>syubhat<\/em>) dan menjauhkan diri dari riba adalah wujud nyata dari kesalehan sosial yang sesungguhnya di tengah momentum hari raya.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Menjelang perayaan Hari Raya Idulfitri, pemandangan para penyedia jasa penukaran uang baru di pinggir jalan telah menjadi ritual tahunan yang tidak terpisahkan dari masyarakat kita. Tradisi membagikan uang baru kepada sanak saudara mendorong tingginya permintaan pasar yang sering kali tidak mampu diakomodasi sepenuhnya oleh perbankan resmi karena keterbatasan kuota dan waktu antrean. Kehadiran para calo&#8230;<\/p>\n","protected":false},"author":2,"featured_media":3095,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-3094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opini"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fenomena Jasa Tukar Uang: Bisnis Jasa atau Praktik Riba? - | El Haq Insight<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/elhaqpubcenter.org\/insight\/fenomena-jasa-tukar-uang-bisnis-jasa-atau-praktik-riba\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fenomena Jasa Tukar Uang: Bisnis Jasa atau Praktik Riba? - | El Haq Insight\" \/>\n<meta property=\"og:description\" content=\"Menjelang perayaan Hari Raya Idulfitri, pemandangan para penyedia jasa penukaran uang baru di pinggir jalan telah menjadi ritual tahunan yang tidak terpisahkan dari masyarakat kita. Tradisi membagikan uang baru kepada sanak saudara mendorong tingginya permintaan pasar yang sering kali tidak mampu diakomodasi sepenuhnya oleh perbankan resmi karena keterbatasan kuota dan waktu antrean. 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perayaan Hari Raya Idulfitri, pemandangan para penyedia jasa penukaran uang baru di pinggir jalan telah menjadi ritual tahunan yang tidak terpisahkan dari masyarakat kita. Tradisi membagikan uang baru kepada sanak saudara mendorong tingginya permintaan pasar yang sering kali tidak mampu diakomodasi sepenuhnya oleh perbankan resmi karena keterbatasan kuota dan waktu antrean. Kehadiran para calo...","_links":{"self":[{"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/posts\/3094","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/comments?post=3094"}],"version-history":[{"count":1,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/posts\/3094\/revisions"}],"predecessor-version":[{"id":3096,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/posts\/3094\/revisions\/3096"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/media\/3095"}],"wp:attachment":[{"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/media?parent=3094"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/categories?post=3094"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elhaqpubcenter.org\/insight\/wp-json\/wp\/v2\/tags?post=3094"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}