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Fatmah Taufik Hidayat
UIN Sultan Syarif Kasim Riau
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KONSEP RIBA DALAM PERSPEKTIF FIQIH MUAMALAH SERTA IMPLIKASINYA TERHADAP TANTANGAN EKONOMI MODERN Marwin Lubisa; Muhammad Saidi; Fatmah Taufik Hidayat
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2128

Abstract

Riba is a fundamental concept in Islamic commercial jurisprudence (fiqh muamalah) that is explicitly prohibited in Islamic teachings due to its association with injustice, exploitation, and economic inequality. This article aims to analyze the concept of riba from the perspective of classical Islamic jurisprudence and to examine its relevance in addressing the challenges of the modern economy, which is characterized by the complexity of global financial systems, conventional banking practices, and digital financial innovations. This study employs a qualitative method with a normative approach and literature analysis of classical sources as well as contemporary studies. The findings indicate that the definitions and classifications of riba in fiqh muamalah, such as riba al-fadl and riba al-nasi’ah, are grounded in philosophical principles that emphasize distributive justice and the protection of vulnerable parties. However, in the context of the modern economy, challenges arise in the form of interest-based banking systems, credit mechanisms, and financial instruments that often occupy a grey area between prohibited riba and economic necessity. Therefore, a contextual reinterpretation through contemporary ijtihad is required to ensure that Islamic principles remain relevant without neglecting the demands of global economic development. This article contributes to the discourse of Islamic commercial jurisprudence by offering an integrative analytical framework that bridges normative texts and modern empirical realities.
ETIKA BISNIS ISLAM DALAM FIQIH MUAMALAH DAN IMPLEMENTASINYA DI ERA DIGITAL Siti Maryam Nst; Roma Rizkina Fatimah Pulungan; Safitri Hasibuan; Fatmah Taufik Hidayat
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2142

Abstract

Islamic business ethics is a set of moral values derived from the Qur'an and Hadith that regulate human economic activities. In the framework of fiqh muamalah, business ethics serves as a guideline to ensure that transactions are conducted in accordance with the principles of justice, honesty, and mutual benefit. The rapid development of the digital era has introduced new challenges, including the complexity of online transactions, the potential for fraud, and technology-based financial systems. This study aims to analyze the concept of Islamic business ethics within fiqh muamalah and its implementation in the digital era using a qualitative normative approach through library research. The findings indicate that principles such as honesty (ṣidq), trustworthiness (amanah), justice ('adl), transparency, and the prohibition of riba, gharar, and tadlis remain highly relevant and must be upheld in digital business practices. The implementation of Islamic business ethics in the digital era is essential to create a fair, secure, and sustainable economic system.
Co-Authors Marwin Lubisa Muhammad Saidi Roma Rizkina Fatimah Pulungan Safitri Hasibuan Siti Maryam Nst