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Muhammad Syarif Hidayatullah, Muhammad Syarif
Jurusan Teknik Elektro FT UNESA
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Journal : Al-Ahkam

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Digitalization of Islamic Finance: Epistemological Study of the National Sharia Board-Indonesian Council of Ulama’s Fatwa Hidayati, Tri; Hidayatullah, Muhammad Syarif; Komarudin, Parman; Atika, Atika
Al-Ahkam Vol 33, No 2 (2023): October
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ahkam.2023.33.2.17324

Abstract

The dynamic and rapid development of digital business and finance requires progressive Sharia legal certainty. National Sharia Board-Indonesian Council of Ulama (Dewan Syariah Nasional – Majelis Ulama Indonesia/DSN-MUI) has issued several fatwas related to digital finance. This research aims to examine the portrait of DSN-MUI’s progressiveness towards the digital finance paradigm and aspects of Islamic legal epistemology in the DSN-MUI Fatwa with the theme of digital finance. This research uses a qualitative approach. The primary data for this research are the DSN-MUI fatwas up to 2021 with a digital theme, plus secondary data in the form of relevant literature. Data analysis uses content analysis techniques. The findings are that there are three DSN-MUI fatwas regarding digital finance in Sharia financial institutions, namely Fatwa No. 116/DSN-MUI/IX/2017, No. 117/DSN-MUI/II/2018, and No. 140/DSN-MUI/VIII/2021. These three fatwas constitute progressive Islamic business law and are important for the Sharia financial industry in Indonesia. DSN-MUI used the ta’līlī and istiṣlāḥi methods with the consideration that electronic money, digital-based financing, and crowdfunding are permissible (mubah) based on sharia principles to achieve benefit. These three DSN-MUI fatwas need to be transformed into OJK regulations and can become a source for making derivative fatwas.
Co-Authors Achmad, Rendy Alfiannor Afif, Ahmad Musfida Al-Idrus, Syarifah Khusnul Khotimah Aldo, Aldo Altsaury, Roychan Abdul Aziz Amin, Ainol An-Nafi, Anastasya Rosyida Anjani, Riyan Anwar, Mukhlis Kaspul April Laksana Ardiansyah, Fikri Arifin, Akhmad Nabil Ariono, Pradana Aditya Arman, Januar As'ad, Ali Asnawi Asnawi Assamii, M. Reizo Atika Atika Atiqah, Adinda Nur AULIA, SITI Diah Ayu Pratiwi Dinyati, Ayu Dwi Nur Rachmah Ekaputri, Faridya Khairina Eli Apud Saepudin Ermina Istiqomah, Ermina Eunike, Agnes Fadilah, Shifa Fadillah, Rahmat Fathur Rohman, Fathur Fathurrahman Azhari Febrianti, Diana Febrianti, Resha Firdha Yuserina Firjatullah, Adib Pratama Firman Maulana, Firman Firman Wahyudi Firman Wahyudi, Firman Hadi, Riswan Hardiansyah Hardiansyah Hardianti, Dini Hemy Heryati Anward Hidayati, Nessie Husna Karimah Illahiya, Adrikni Islami, Alfin Jazuli, Muhammad Sulaiman Joko Sulianto . . Kandama, Herry Khairina, Nadia Leonita, Ananda Astriana Lestari, Putri Dewi Lia, Lapina Lutfi, Jamal Luthfi, Alghifari Athilla Mahmud Yusuf Mahmud Yusuf Malihah, Lola Marina Dwi Mayangsari Mashudi , Mashudi Mashudi Maula, Ritli Rizqiana Mira Azizah Muhammad Fahmi Nurani Muhammad Muhammad Muhammad, Aliyu Dahiru Mukminin , Amirul Najimah, Muzida Nasruddin Nasruddin Nassarrudin, Razie Bin Naufal, Yamani Neka Erlyani Nugraha, Ahmad Helmi Nuratikah, Rahmadilla Nursani, Shafa Aulia Nuzula, Muhammad Firdaus Padly, Asse Pangestu, Sukma Abimayu Parman Komarudin Pauzi, Gurum Ahmad Perwitasari, Raras Ayu Putri Ponglabba, Henry Ma’dika Rabiatul Adawiyah Ragil Rahmatullah Nurhakim Rahmi Fauzia, Rahmi Renaldy, Muhammad Rizki Amalia Rooswita Santia Dewi, Rooswita Santia Rosanti , Amelia Saipullah, Saipullah Salwa, Dinda Alifa Santi, Hanida Aulia Saragih, Nurul Miftahul Jannah Sari, Krismon Endah Saturrosidah, Anis Septyandani, Ema Shalehah, Anisatus Sri Wahyu Suciyati Sukma Noor Akbar Thaibah, Hayatun Tri Hidayati Ulfah, Khannys Dahliana Wahyiah, Ita Rosita Wardati, Winda Wijayanti, Maya Yohanes, Yunus Yulfitasari, Raysa Yulianti, Neng Cahya Zaini, Fakhruz Zatalina, Nabela Zwagery, Rika Vira