Keadilan Ekonomi dan Perlindungan Harta Konsumen dalam Perdagangan Digital: Analisis Maqasid al-Syari’ah terhadap TikTok Shop

Economic Justice and Consumer Wealth Protection in Digital Commerce: A Maqasid al-Shari’ah Analysis of TikTok Shop

Abstract

The rapid growth of digital commerce in Indonesia has intensified risk distribution within marketplace transactions. The high number of consumer complaints regarding product mismatch and refund failures indicates that the issue extends beyond contractual validity and reflects structural imbalance in risk allocation. This study aims to analyze the extent to which TikTok Shop practices realize the principle of hifz al-mal within the framework of maqasid al-shariʿah and to evaluate the justice of risk distribution in digital market systems. Employing a normative-doctrinal approach with a socio-economic analytical orientation, this research is based on a literature review and documentary analysis of twelve TikTok Shop transaction cases from 2024–2025 that were publicly documented and purposively selected based on their relevance to product inconsistency and wealth protection issues. The findings reveal that transaction risks tend to be concentrated on consumers due to information asymmetry, limited pre-transaction verification, and predominantly post-transaction dispute mechanisms. From the perspective of maqasid al-shariʿah, this condition indicates that the realization of hifz al-mal has not been fully integrated into digital market design. Theoretically, this study argues that hifz al-mal functions not merely as an individual legal protection principle but as a foundation of economic justice in the distribution of market benefits and burdens. Disproportionate risk allocation may weaken public trust and digital economic stability; therefore, consumer protection should be understood as a prerequisite for sustainable platform-based economic systems.