Implementation Of Payment Card System Through Salary Deduction In The Islamic Perspective

Abstract

The aim of this research is to find out how the payment card system is implemented through cutting the basic salary of employees at the multi-business cooperative PT Agro Muko and also to find out the Islamic perspective regarding the implementation of the payment card system through cutting the basic salary. This research is qualitative research with a phenomenological research approach. Data collection was carried out by means of observation, interviews and documentation. Data analysis uses data reduction methods, data presentation and drawing conclusions. Data validity is carried out by source triangulation. The results of this research explain that the implementation of the payment card system uses cards created by the cooperative. This card contains identity and a barcode in its application. The barcode will be scanned when the transaction is carried out, then the cooperative will know the identity of the member making the transaction and the nominal amount of the transaction. From an Islamic perspective, the application of this payment card system is permitted. Because in its implementation this system does not use usury and its implementation is carried out in a transparent manner. So that in implementing this system there are no prohibitions in Islamic law.