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All Journal Proceeding of International Conference on Humanity Education and Society Jurnal At-Tamwil: Kajian Ekonomi Syariah
Muhammad Irsyad Elfin Mujtaba
Universitas Islam Tribakti Lirboyo Kediri
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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OLD PROHIBITIONS AND NEW FACES: RIBA, GHARAR, AND MAYSIR IN CONTEMPORARY DIGITAL FINANCE Hoirul Anam; Muhammad Irsyad Elfin Mujtaba; Pavita Aqila Zeba; Selviana Anggraeni
International Conference on Humanity Education and Society (ICHES) Vol. 5 No. 1 (2026): The 5th International Conference on Humanity Education and Society (ICHES)
Publisher : FORPIM PTKIS ZONA TAPAL KUDA

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Abstract

The rapid development of the digital economy has introduced financial innovations that enhance efficiency while simultaneously challenging the implementation of Sharia principles. Practices of riba, gharar, and maysir no longer appear in explicit traditional forms but are embedded in modern instruments such as interest-based online lending, conventional insurance, binary options, and speculative cryptocurrency trading. This study examines the continued relevance of these prohibitions in contemporary finance and analyzes the transformation of risks within modern contractual arrangements. Using a qualitative descriptive-analytical approach, the research draws upon classical fiqh literature and contemporary scholarly works. The findings reveal that although transaction mechanisms have evolved through digitalization, the substantive objectives of Sharia prohibitions remain consistent: preventing injustice, excessive speculation, and economic exploitation. Modern financial practices involving interest, high uncertainty, and speculative elements essentially replicate classical prohibitions in new forms. Therefore, strengthening Sharia-compliant financial innovation, adaptive regulation, and public financial literacy is essential to uphold justice, transparency, and risk-sharing in the digital financial system.
Edlink as Paperless Service: Strategic to Minimizing Paper Consumption in College Based on Eco-theology Perspective Ilyas Adhi Purba; Muhammad Irsyad Elfin Mujtaba
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i1.8941

Abstract

Purpose/Objective – This research aims to examine the use of Edlink as a paperless digital service in an effort to minimize paper consumption on campus, from an eco-theological perspective. Method – This research employs descriptive qualitative methods, collecting data through observation and a literature study. Findings – Edlink saves paper consumption, one of which is through implementing UTS and UAS alone, the campus saves expenses of around 2036 sheets of paper, or 4 reams, or saves costs of around Rp. 160,000 - Rp. 240,000. However, the campus must pay Rp. 11 million for using Edlink by Sevima. Edlink can save thousands of sheets of paper, but it still requires costs for using the application. Using Edlink from an eco-theology perspective in paperless form is a form of preserving green trees on Earth. In this context, efforts to reduce paper use not only have an impact on administrative efficiency but are also part of a commitment to preserving the environment, especially the sustainability of trees as the main source of raw material for paper. Limitations – This research only focuses on the use of Edlink as a paperless service in the IAI Badrus Sholeh Kediri campus environment, so the research results cannot be widely generalized to all universities that have different characteristics, policies, and levels of digital literacy. Originality/Value – The originality of this research lies in the integration of educational digital technology (Edlink) with an ecotheological perspective as an ethical and theological basis in an effort to minimize paper consumption on campus.
Co-Authors Hoirul Anam Ilyas Adhi Purba Pavita Aqila Zeba Selviana Anggraeni