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All Journal Analisis: Jurnal Studi Keislaman EKONOMIA Ilmuna: Jurnal Studi Pendidikan Agama Islam Counselle | Journal of Islamic Guidance and Counseling MEDIOVA: Journal of Islamic Media Studies Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Nusantara: Journal Of Law Studies Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah Mu'asyarah
Edi Mulyono
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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).
Co-Authors Afifatun, Siti Ariyanti, Ani Darussalam, Hidayat Gunawan, Aan Gustin Gustin Hidayat Darussalam Mahmoud Mohamed Ali Mahmoud Edris Masril Masril Mayangsari, Risfiana Muhammad Nikman Naser Nikman Naser, Muhammad Patimah , Siti Reza, Amelia Sajdah , Smeilisa Sofyan Rizal, Sofyan Sunaryanto Toha Andiko winarko, winarko