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COMMUNICATION PATTERNS IN THE APPLICATION OF SMART CONTRACTS IN SHARIA FINANCIAL TRANSACTIONS Mayangsari, Risfiana; Darussalam, Hidayat; Mulyono, Edi
MEDIOVA: Journal of Islamic Media Studies Vol. 5 No. 2 (2025): FIVE EDITION - NO 2
Publisher : Prodi Jurnalistik Islam IAIN Syaikh Abdurrahman Siddik Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/2kzh1532

Abstract

This article analyzes the communication patterns that emerge and develop from the integration of Smart Contracts in Islamic financial transactions. The adoption of Smart Contracts marks a fundamental shift from traditional sighat (ijab qabul) to automated and immutable programmed communication on the blockchain. This study finds that the communication patterns involved are divided into three main dimensions: first, formal human-to-contract communication, which is the process of coding and initial agreement of the contract (such as mudharabah or murabahah) where the sighat is represented by explicit digital input; second, fully automated system-to-system communication, where Smart Contracts communicate with external data (oracles) to verify conditions and trigger self-executing transactions; and third, contract-to-ledger communication, which results in transparent and immutable transaction recording on the blockchain. Although promising efficiency and improved Sharia Compliance through the elimination of operational gharar, this programmed communication pattern poses challenges related to contract flexibility and code error risks. Therefore, it is necessary to formulate clear Sharia code standards and digital governance mechanisms recognized by the Sharia Supervisory Board to ensure that this new communication pattern validly and ethically supports maqasid syariah (Sharia objectives).
PENDAMPINGAN PENGUATAN KARAKTER PESERTA DIDIK MELALUI PENDIDIKAN AGAMA ISLAM DI SEKOLAH Mustopa, Andi; Sajdah, Meilisa; Mulyono, Edi; Mawardi, Cholid; Bahari, Bahari; Ali, M. Makhrus
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 6 (2025): Desember
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i6.35761

Abstract

Abstrak: Kebijakan Penguatan Pendidikan Karakter (PPK) merupakan upaya pemerintah untuk membangun generasi bangsa yang tidak hanya cerdas secara intelektual, tetapi juga memiliki akhlak mulia dan kepribadian yang kuat. Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan sosialisasi kebijakan PPK melalui pendidikan Pendidikan Agama Islam (PAI) di sekolah/madrasah, dengan melibatkan 15 guru PAI sebagai mitra utama dan 120 siswa sebagai peserta pendampingan. Melalui kegiatan ini, guru dan siswa diharapkan mampu menginternalisasi nilai-nilai karakter Islam dalam proses pembelajaran. Metode pelaksanaan meliputi tahap persiapan (penentuan peserta, penyusunan materi, dan perencanaan teknis), tahap pelaksanaan (pendampingan dan sosialisasi kepada guru serta siswa), dan tahap evaluasi (peninjauan kembali hasil pendampingan). Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan mitra, di mana lebih dari 80% guru mengalami peningkatan pemahaman mengenai strategi pembelajaran berbasis karakter, serta sekitar 70% mengalami peningkatan keterampilan dalam mengintegrasikan nilai karakter ke dalam RPP dan praktik pembelajaran. Selain itu, siswa menunjukkan peningkatan kesadaran dalam menerapkan nilai religius, disiplin, tanggung jawab, dan kerja sama. Kegiatan ini menjadi langkah strategis dalam mendukung implementasi PPK di satuan pendidikan serta memperkuat kapasitas guru sebagai agen pembentuk karakter peserta didik.Abstract: The Character Education Strengthening Policy (PPK) is a government effort to build a generation of people who are not only intellectually smart, but also possess noble morals and strong personalities. This community service activity aims to provide socialization of the PPK policy through Islamic Religious Education (PAI) in schools/madrasahs, involving 15 PAI teachers as the main partners and 120 students as mentoring participants. Through this activity, teachers and students are expected to be able to internalize Islamic character values in the learning process. The implementation methods include a preparation phase (participant determination, material development, and technical planning), an execution phase (mentoring and socialization to teachers and students), and an evaluation phase (review of mentoring results). The results of the activity show an increase in the partners' understanding and skills, where more than 80% of teachers experienced an increase in understanding regarding character-based learning strategies, and about 70% experienced an increase in skills in integrating character values into the lesson plans (RPP) and teaching practices. Furthermore, students showed an increased awareness in implementing religious, disciplinary, responsible, and cooperative values. This activity serves as a strategic step in supporting the implementation of PPK in educational units and strengthening the capacity of teachers as agents for shaping students' character.
From Jurisprudence to Algorithms: The Role of Artificial Intelligence in Contemporary Sharia Financial Decision-Making Edi Mulyono; Mahmoud Mohamed Ali Mahmoud Edris
Nusantara: Journal of Law Studies Vol. 4 No. 2 (2025): Nusantara: Journal of Law Studies
Publisher : PT. Islamic Research Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17341980

Abstract

The development of Artificial Intelligence (AI) has had a profound impact on the modern financial system, including the Islamic finance sector. Today, AI is utilized to support risk analysis, financing decision-making, and the management of Sharia-based investment portfolios. However, the application of AI in Islamic finance also raises several legal and ethical issues that require in-depth examination from the perspective of contemporary fiqh muamalah. This study aims to analyze the compatibility of AI implementation in Islamic financial decision-making with the principles of maqāṣid al-syarī‘ah, justice, and human responsibility (taklīf). This research employs a qualitative method with a normative-theological approach and descriptive-analytical analysis. Primary data were obtained from the study of fatwas, regulations, and practices of Islamic financial institutions that have adopted AI, while secondary data were derived from academic literature, scholarly journals, and contemporary Islamic legal writings. The analysis was conducted through the stages of reduction, classification, and normative interpretation to assess the harmony between Sharia principles and technological innovation. The findings suggest that the application of AI in Islamic finance is permissible as long as it does not contravene the principles of honesty and justice, and continues to prioritize humans as moral supervisors and legal subjects. Academically, this study enriches contemporary fiqh muamalah discourse by providing a normative framework for developing AI-related regulations and ethics that align with the maqāṣid al-sharī'ah. It also encourages an interdisciplinary dialogue between Islamic law, technology ethics, and the digital economy toward an adaptive and sustainable Sharia financial system.