Tinjauan Fiqh Syafi’iyah Terhadap Jual Beli Emas Online: Studi Kasus Distributor MiniGold di Kabupaten Pacitan

Abstract

This article examines the online sale and purchase of MiniGold in Pacitan Regency from the perspective of Shafi’i jurisprudence, focusing on the potential usury that may arise from the time gap between payment and physical delivery of gold. The study is grounded in the legal position of gold as a ribawi commodity whose exchange requires immediate settlement, possession, and unity of contractual session. This research applies a qualitative case-study approach. Primary data were obtained through interviews with MiniGold distributors and consumer data, while secondary data were drawn from Shafi’i legal literature, muamalah fiqh books, previous studies, and relevant documentation. The findings show that online MiniGold transactions may be valid when physical delivery is completed immediately through cash on delivery or through a wakalah mechanism that fulfills the principle of yadan bi yadin. However, delaying shipment for out-of-town orders due to shipping-cost efficiency creates a potential riba nasi’ah problem because payment has been made while qabdh of the gold has not occurred. This article argues that trust, consent, and digital convenience cannot replace the legal requirements of ribawi exchange under Shafi’i jurisprudence.