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All Journal El-Iqtishady INTELEKTIVA Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah EKONOMIKA45 Journal of Islamic Digital Economics and Management Maslahah: Jurnal Manajemen dan Ekonomi Syariah
Cory Vidiati
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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indonesia: universitas islam bunga bangsa cirebon Cory Vidiati; Rini Rizkiyana Ulfa
El-Iqthisadi Vol 7 No 2 (2025): Desember
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v7i2.62039

Abstract

Abstrak Perkembangan fintech syariah telah membawa perubahan besar dalam praktik muamalah kontemporer. Sekarang, transaksi ekonomi diatur oleh algoritma dan sistem digital selain akad konvensional. Tujuan dari penelitian ini adalah untuk menjelaskan bagaimana nilai-nilai akhlak muamalah, terutama amanah (kepercayaan) dan keadilan, diubah dan digunakan dalam ekosistem keuangan digital syariah. Studi ini menyelidiki arti dan pengalaman pengguna, pengembang aplikasi, dan regulator fintech syariah di Kota Cirebon dengan menggunakan pendekatan kualitatif interpretatif berbasis paradigma hermeneutik Islam. Fatwa DSN-MUI, pedoman OJK, dan kode etik internal perusahaan fintech syariah adalah sumber data yang dikumpulkan melalui observasi digital, wawancara. Hasil penelitian menunjukkan bahwa kejujuran pribadi dan transparansi algoritmik adalah nilai amanah digital. Namun demikian, nilai keadilan (ʿadl) dapat digambarkan sebagai akses yang adil ke layanan keuangan syariah, sistem pembiayaan yang adil, dan mekanisme risiko yang proporsional. Namun demikian, penelitian juga menemukan adanya konflik antara keberhasilan teknologi dan prinsip maqāṣid al-syarī‘ah, terutama dalam hal kejelasan akad, keaslian niat, dan akuntabilitas moral dalam transaksi otomatis. Studi ini membantu mengembangkan konsep "Akhlak Muamalah Digital", yang merupakan interpretasi nilai-nilai moral Islam ke dalam praktik ekonomi yang menggunakan teknologi. Sementara secara teoretis memungkinkan kita untuk lebih memahami etika keuangan Islam di era digital, secara praktis menawarkan saran kepada pengembang dan regulator fintech syariah untuk membuat sistem yang berkeadaban dan sesuai dengan peraturan digital. Kata Kunci: akhlak muamalah, amanah, keadilan, fintech syariah, ekonomi digital Islam, dan hermeneutik Islam.    Abstract The development of Islamic fintech has brought about significant changes in contemporary muamalah practices. Now, economic transactions are governed by algorithms and digital systems in addition to conventional contracts. The purpose of this study is to explain how muamalah (business ethics) values, especially amanah (trust) and justice, are transformed and utilized within the Islamic digital financial ecosystem. This study investigates the meaning and experiences of users, application developers, and Islamic fintech regulators in Cirebon City using an interpretive qualitative approach based on the Islamic hermeneutic paradigm. The DSN-MUI Fatwa, OJK guidelines, and the internal code of ethics of Islamic fintech companies are data sources collected thru digital, observation, interviews, and documentanalysis. The research results indicate that personal honesty and algorithmic transparency are digital trust values. However, the value of justice (ʿadl) can be described as fair access to sharia financial services, a just financing system, and proportional risk mechanisms. However, the research also found conflicts between technological success and the principles of maqāṣid al-syarī‘ah, particularly in terms of contract clarity, sincerity of intention, and moral accountability in automated transactions. This study helps develop the concept of "Digital Muamalah Ethics," which is an interpretation of Islamic moral values into economic practices that utilize technology. While theoretically allowing us to better understand Islamic financial ethics in the digital age, practically it offers suggestions to sharia fintech developers and regulators for creating systems that are civilized and compliant with digital regulations.Keywords: Business ethics, trust, justice, Islamic fintech, Islamic digital economy, and Islamic hermeneutics.
Co-Authors Abdy Ihdalumam Agung Cahyadi ALISA QOTRUNADA Ana Sahroni ARI ARIZKI Aulia Meidiati Devita Soraya Dini Selasi Driyan Andika Endang Hendra Fadiah Aisyah Fenti Siregar Gama Pratama Gilang Subagja Hamam Mishbakhuzein Hendrias Hendrias Indah Royani Izzul Faturrizky Mardhotillah Mardhotillah Miftahudin Nawawi Muhammad Iqbal Muhammad Nurjati Omah Rochmah Rini Rizkiyana Ulfa Selamet Santoso Siti Nurhayati Windi Agustina Windi Asyarofah Yuni Oktopiyani Yusuf Hendrawan Yuyun Wahyuni