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All Journal Islamic Circle
Nur Sania Dasopang
UIN Sheikh Ali Hasan Ahmad Addary Padangsidimpuan
Religion

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Online Trading Practices from the Perspective of Fiqh Muamalah (Analysis of Contracts, Gharar, and Khiyar Mechanisms) Nur Sania Dasopang; Putra Halomoan Hasibuan
Islamic Circle Vol. 6 No. 2 (2025): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v6i2.2760

Abstract

The development of digital technology has transformed conventional buying and selling practices into electronic transactions, giving rise to new issues from the perspective of fiqh Muamalah. This study aims to analyse online buying and selling practices through a trilogy approach to the concepts of Akad, Gharar, and Khiyar. The method used is qualitative, with a library research approach and content analysis of primary and secondary sources. The results of the study show that: First, electronic contracts have fulfilled the pillars and requirements of contracts through the digital transformation of ijab-qabul with the support of DSN-MUI fatwa No. 116/DSN-MUI/IX/2017. Second, the potential for gharar in e-commerce can be mitigated through technologies such as digital reputation systems, escrow, and blockchain. Third, the Khiyar mechanism has been actualised through return features, digital previews, and delivery method selection. This study concludes that sharia e-commerce is not only valid in fiqh, but also strengthens consumer protection when integrated with national regulations. The research recommendations include the development of an integrated sharia and national consumer protection system model to create a fair e-commerce ecosystem.
Implementation of Rahn in Islamic Financial Institutions in Indonesia: Operational, Economic, and Regulatory Analysis Nur Sania Dasopang; Adli Siregar
Islamic Circle Vol. 7 No. 1 (2026): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

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Abstract

This study aims to analyse the implementation of the rahn contract in Islamic financial institutions in Indonesia, with a focus on operational mechanisms, economic benefits and regulatory challenges. This study employs a qualitative-descriptive approach using a literature review method, examining primary data comprising Islamic banking regulations, DSN-MUI fatwas, and Sharia principles, as well as secondary data from OJK reports, academic journals, and publications by Islamic financial institutions. The research findings indicate that the rahn contract is an Islamic financial instrument that enables customers to obtain qardh-based loans by pledging movable assets as collateral, whilst the institution receives ujrah as remuneration for storage services. The operational mechanisms implemented at Pegadaian Syariah and Islamic banks are in line with Sharia principles, particularly regarding the separation of loan value and service fees. Economically, rahn makes a significant contribution to enhancing financial inclusion, particularly for low-income communities requiring quick and secure access to funds. However, this study also identified several regulatory challenges, such as inconsistencies between regulations from the OJK, BI, and DSN fatwas, low public literacy regarding rahn, as well as operational risks such as moral hazard and inaccurate asset valuation. This study underscores the need to strengthen policies and standardise mechanisms so that the implementation of rahn contracts becomes more effective and provides added value for the development of Islamic finance in Indonesia
Co-Authors Adli Siregar Putra Halomoan Hasibuan