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One sort of activity that contravene the principles of Islamic economics, which is violated today is the widespread practice of usury. Using smartphone as one of the advance technology enable for anyone to extend loans without collateral through financial technology (fintech) in the form of online loans. The amount of interest on online loans makes many people entangled with interest/usury because the people who initially could not be served by banks and industry financial institutions, through online loans can borrowed even without collateral. Though Islam since 1400 years ago has provided a solution to the problem of usury. That is the availability of a good loan or also known as qardhul hasan which is provides loans without interest, especially supported by peer to peer lending technology where a borrower only pays the principal and it is not burdened with administrative costs. Through peer to peer lending using the qardhul hasan contract can be a solution of the usury problem on community loans in financial institutions and online loans.

Riba Solutions Through Peer to Peer Lending Using Akad Qardhul Hasan