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All Journal Ecobankers : Journal of Economy and Banking
Aie Nuraeni
Sharia Economics Study Program, Faculty of Economics and Islamic Business, UI Bunga Bangsa Cirebon, Indonesia
Economics, Econometrics & Finance

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The Existence of the Islamic Economic System in Muslim and Western Countries in Facing Modern Economic Challenges Muhammad Roykhannul Arif; sitri sitri; Isabela Tania; Isman Fatoni; Aie Nuraeni; Mohammad Ridwan
Ecobankers : Journal of Economy and Banking Vol. 7 No. 2 (2026): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v7i2.4505

Abstract

This study examines how principles of Fiqh Muamalah are enacted within Islamic crowdfunding platforms and evaluates their capacity to offer equitable, transparent financing for micro, small, and medium enterprises in the digital age. Using a descriptive qualitative approach grounded in literature review and secondary data analysis, the research links classical ethical precepts from the perspective of Imam al-Shafii with contemporary financial technology practices. Its novelty lies in this integrative reading of traditional Islamic jurisprudence alongside modern digital funding mechanisms an area that remains underexplored. Findings indicate that Islamic crowdfunding can operationalize core values such as fairness, disclosure, and the prohibition of riba across transactional processes. The study concludes that, when designed and governed properly, crowdfunding based on Islamic principles holds promise as a faith-compliant, inclusive financing alternative that supports sustainable participation in the digital economy.
Co-Authors Isabela Tania Isman Fatoni Mohammad Ridwan Muhammad Roykhannul Arif sitri sitri