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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Asy-Syariah
Saroji, Romi Putra
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance

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Transformasi Digital dan Implikasinya Terhadap Hukum Ekonomi Syariah: Tren dan Adaptasi Supiana, Nana; Saroji, Romi Putra; Muliani, Muliani
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 9 No 2 (2025): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/hhzyza07

Abstract

Digital transformation through Blockchain technology, artificial intelligence (AI), and electronic payment systems has had significant implications for Islamic economic law, both as a catalyst for efficiency and as an ethical challenge. This study aims to explore how adaptation to digital technology can be carried out in order to remain in line with sharia principles, particularly justice, transparency, and the avoidance of usury and gharar. Using library research and a descriptive-analytical approach, this study reviews the literature related to digitalization trends and their impact on sharia regulations. The results show that Blockchain strengthens Sharia compliance through smart contracts and audit transparency, AI supports halal investment screening while minimizing human bias, and electronic payment systems expand Sharia financial inclusion through instant transactions and automatic zakat compliance. However, ethical challenges such as data ownership, algorithm transparency, and user privacy have also emerged, requiring harmonization with the principles of tauhid, amanah, and ihsan. This study concludes that the integration of digital technology in sharia economic law not only strengthens efficiency and compliance but also requires normative regulation, collaboration between scholars and technology experts, and strict halal certification. As a result, digital transformation has the potential to strengthen the Islamic economy, enhance institutional reputation, and ensure the sustainable welfare of the people.
Implementation strategy of technology in optimizing the ijarah contract process in Islamic banks Baiq Diana Putri; Saroji, Romi Putra; Hermawati, Hermawati
Asy-Syari’ah : Jurnal Hukum Islam Vol. 11 No. 2 (2025): Asy-Syari'ah: Jurnal Hukum Islam, June 2025
Publisher : LP3M Universitas Islam Zainul Hasan Genggong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/assyariah.v11i2.1968

Abstract

This article aims to explore technology implementation strategies in the Ijarah contract process at Islamic banks to enhance operational efficiency, Sharia compliance, and customer satisfaction. The research method employed is a qualitative approach through library research, involving the analysis of secondary data from scientific journals, books, research reports, and policy documents related to Islamic banking and technology. The analysis is conducted by categorizing information based on the type of technology and its impact on efficiency and Sharia compliance, as well as using descriptive and comparative approaches to identify relevant patterns and relationships. The research findings indicate that the application of technologies such as digital document management systems, electronic signatures, and online platforms can optimize the Ijarah contract process by reducing time and costs while improving transparency and accuracy. However, challenges such as resistance to change and high initial costs must be addressed through training, effective communication, and collaboration with technology providers who understand Sharia principles. This research contributes by offering technology implementation strategies that can strengthen the competitive advantage of Islamic banks in an increasingly digital market and provide in-depth insights for the development of Islamic banking theory and practice.
Co-Authors Baiq Diana Putri Hermawati Hermawati, Hermawati Muliani Muliani, Muliani Supiana, Nana