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All Journal Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Khazanah : Journal of Islamic Studies
Hannani Hannani
Institut Agama Islam Negeri Parepare, Indonesia
Religion Economics, Econometrics & Finance Social Sciences

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Legal Cartainty in Digital Sharia Business Contracts: Problems of Validity, Sharia Compliance and Dispute Resolution in Makassar Andi Candrawali Makmur; Widi Rahman; Hannani Hannani; Zainal Said
Khazanah : Journal of Islamic Studies Vol. 5 No. 2 (2026): Volume 5 Nomor 2 Mei (2026)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/khazanah.v5i2.3531

Abstract

This study examines legal certainty in digital sharia business contracts in Makassar, focusing on three dimensions: contract validity, sharia compliance, and dispute resolution mechanisms. Employing empirical legal research with a qualitative approach and purposive sampling of nine key informants comprising judges of the Religious Court of Makassar, sharia compliance officers, Islamic economics academics, OJK Regional 6 officials, DSN-MUI/MUI Sulawesi Selatan members, and Religious Court judiciary the research reveals three principal findings. First, digital sharia contract validity is not fully synchronized between Indonesian positive law (UU ITE) and Islamic economic law (KHES/fiqh muamalah), with critical normative gaps in electronic ijab-qabul standards, digital KYC adequacy, and the formal legal status of DSN-MUI fatwas. Second, sharia compliance operates under a multi-layered normative structure but suffers from serious regulatory lag, disharmony between POJK provisions and DSN-MUI fatwas, and limited digital competency among Sharia Supervisory Boards (DPS). Third, dispute resolution through Religious Courts faces structural barriers including inconsistent judicial interpretation, the absence of a Supreme Court Regulation (Perma) specifically governing digital sharia contract disputes, and inadequate electronic evidence standards. The study concludes that Indonesia requires a comprehensive Digital Sharia Economic Law integrating UU ITE, UU Perbankan Syariah, and fiqh muamalah principles, accompanied by revised KHES provisions on digital akad, a joint OJK-DSN-MUI regulatory committee, and an integrated national shariah digital regulatory portal.
FINTECH SYARIAH DAN PERLINDUNGAN KONSUMEN MUSLIM: MENATA ULANG KERANGKA HUKUM BISNIS DI TENGAH DISRUPSI GLOBAL DI KABUPATEN PINRANG Reni Anggreni; Nur Afiat Agus; Zainal Said; Hannani Hannani
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/rqcb0k92

Abstract

The development of Islamic financial technology (fintech) has accelerated the transformation of financial services by providing faster, more accessible, and inclusive financial solutions for Muslim communities. However, this advancement has also generated challenges related to consumer protection, personal data security, information transparency, and regulatory effectiveness amid digital disruption. This study aims to analyze the practices of Islamic fintech utilization, the protection of Muslim consumers, the effectiveness of the existing business legal framework, and to formulate a reconstructed legal framework for Islamic fintech in Pinrang Regency. This research employed a qualitative approach using field research methods through in-depth interviews, observations, and documentation. The informants consisted of Islamic fintech users, micro and small business owners, academics, religious leaders, and Islamic finance practitioners. The findings reveal that Islamic fintech is widely accepted due to its accessibility and efficiency in financial services. Nevertheless, consumer protection remains challenged by low Islamic financial literacy, limited understanding of sharia contracts, concerns regarding personal data security, and inadequate awareness of dispute resolution mechanisms. The study also identifies a regulatory gap caused by the rapid pace of technological innovation compared to legal and regulatory developments. Therefore, this research proposes a reconstructed Islamic fintech business law framework based on adaptive regulation, literacy enhancement, digital data protection, and the integration of maqashid al-shariah principles as the foundation of Muslim consumer protection. This framework is expected to strengthen consumer protection while supporting the sustainable development of Islamic fintech. Keywords : Islamic fintech; Consumer protection; Business law; Maqashid alshariah; Digital disruption.
Co-Authors Andi Candrawali Makmur Nur Afiat Agus Reni Anggreni Widi Rahman Zainal Said