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All Journal MILRev: Metro Islamic Law Review LAN TABUR: JURNAL EKONOMI SYARIAH
Akhmad Farid Mawardi Sufyan
Universitas Islam Negeri Madura, Indonesia
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Dynamics of Contemporary Fatwas in the Digital Age: A Study of the East Java MUI’s Resistance to the Paylater System Bhismoadi Tri Wahyu Faizal; Akhmad Farid Mawardi Sufyan; Erie Hariyanto; M. Haris Hidayatulloh; Nashat Mohammad Abdel Qader Bani Hamad
MILRev: Metro Islamic Law Review Vol. 5 No. 1 (2026): MilRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, UIN Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v5i1.12240

Abstract

The East Java MUI Fatwa Number 4 of 2022 on Digital Transactions with the Paylater System emerged amid a national normative vacuum, as the National Sharia Council-Indonesian Ulama Council (DSN-MUI) has yet to issue a fatwa specifically regulating paylater mechanisms. This study aims to analyse: (1) the dynamics of contemporary fatwas in the digital age amid the absence of national Sharia regulation concerning paylater systems; (2) the forms of resistance articulated by the East Java MUI through Fatwa Number 4 of 2022; and (3) the dissemination of the fatwa and its reception among Muslim communities in East Java. This research employs a mixed methods approach integrating normative juridical and empirical perspectives. Primary data were collected through a survey involving 50 respondents across East Java, while secondary data consisted of the fatwa document, relevant DSN-MUI fatwas, academic literature, and media coverage related to digital financial transactions. The findings reveal three principal forms of resistance: resistance to usury (riba) manifested in interest-based charges, resistance to late payment penalties, and resistance to coercive debt collection practices, including intimidation and public shaming. However, this resistance does not amount to an absolute prohibition of paylater systems; rather, it represents a constructive normative critique that opens pathways for the development of Sharia-compliant paylater products. The study further demonstrates that fatwa dissemination remains ineffective, with only 28% of respondents aware of the fatwa’s existence. This research offers a dual contribution. Normatively, it formulates Sharia compliance criteria applicable to paylater mechanisms in the absence of a dedicated DSN-MUI fatwa. Empirically, it provides the first survey-based evidence regarding public awareness and reception of contemporary fatwas within the context of digital Islamic consumer finance governance.
Contemporary Muamalah And Hifz Al-Mal: A Study On The Digitalization Of The Financial System At Al-Amien Prenduan Islamic Boarding School M. Haris Hidayatulloh; Bhismoadi Tri Wahyu Faizal; Akhmad Farid Mawardi Sufyan; Hanuri Firman Erentama
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.162

Abstract

Introduction: The advancement of financial technology has transformed the landscape of financial management, compelling Islamic boarding schools (pesantren) to adopt reactive and responsive policies. This study aims to examine the digitalization of the financial system at Al-Amien Prenduan Islamic Boarding School, encompassing the planning and formulation of digital system transformation, its implementation and development, as well as the manner in which the institution integrates such transformation with the principles of Ḥifẓ al-Māl. Methods: This study employs a qualitative-empirical method, addressing the research focus through three stages of data analysis, namely data reduction, data presentation, and conclusion. Results: The findings indicate that the transformation of the student payment system from manual to digital was systematically planned, practically implemented to resolve various financial issues grounded in the principles of Ḥifẓ al-Māl as part of Maqāṣid al-Sharīʿah, and evaluated to achieve a system with optimal performance in attaining maṣlaḥah Conclusion and suggestion: The integration of the principles of Ḥifẓ al-Māl into the digital payment system has proven to be an effective instrument and solution in resolving financial problems, thereby creating a transparent and accountable financial system.
Co-Authors Bhismoadi Tri Wahyu Faizal Erie Hariyanto Hanuri Firman Erentama M. Haris Hidayatulloh Nashat Mohammad Abdel Qader Bani Hamad