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All Journal MILRev: Metro Islamic Law Review Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
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Teknologi Blockchain dalam Perspektif Ekonomi Islam / Keuangan Islam Djumadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 4 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i4.887

Abstract

Makalah ini membahas penggunaan teknologi blockchain dalam perspektif ekonomi Islam/keuangan Islam. Teknologi blockchain telah mengubah berbagai sektor, termasuk sektor keuangan, dengan menyediakan sistem yang aman, terdesentralisasi, dan transparan. Dalam konteks ekonomi Islam, blockchain dapat memberikan manfaat tambahan dengan memastikan kepatuhan terhadap prinsip-prinsip syariah. Makalah ini menguraikan bagaimana teknologi blockchain dapat digunakan dalam keuangan Islam, seperti sistem pembayaran, pembiayaan, dan investasi yang sesuai dengan prinsip-prinsip syariah. Selain itu, makalah ini juga membahas potensi penggunaan kontrak pintar (smart contracts) dalam ekonomi Islam untuk meningkatkan efisiensi dan transparansi dalam transaksi. Dalam penelitian ini, metode deskriptif-analitis digunakan untuk menganalisis konsep-konsep dasar blockchain dan prinsip-prinsip ekonomi Islam. Melalui analisis ini, diharapkan dapat terlihat bagaimana teknologi blockchain dapat memperkuat prinsip-prinsip keuangan Islam dan memfasilitasi pengembangan sektor keuangan yang berbasis syariah.
Critical Review of Murābaḥah Financing in Contemporary Islamic Banking: A Maqāṣid al-Sharī‘ah Perspective Djumadi; Arzal Syah; Hamida; Mujahidin; Kamiruddin
MILRev: Metro Islamic Law Review Vol. 4 No. 2 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i2.11087

Abstract

This study critically analyses the implementation of murābaḥah contracts in contemporary Islamic banking through the lens of maqāṣid al-sharī‘ah theory. Murābaḥah has long been recognised as one of the dominant financing schemes in Sharia banks, particularly in Indonesia, where it plays a central role in meeting customer needs ranging from consumption to investment. However, in today's context of rapid financial innovation and global competition, questions remain regarding its alignment with the broader objectives of Islamic law beyond mere technical compliance. The research employs a descriptive qualitative approach, utilising in-depth interviews, direct observations, and documentation studies. The primary object of inquiry is Sharia banks in Indonesia, with informants drawn from banking practitioners and customers. This dual perspective provides a more comprehensive understanding of how murābaḥah is designed, implemented, and perceived in practice within the dynamics of modern Islamic banking. The findings indicate that although murābaḥah contracts are generally implemented in line with formal sharia procedures, the embodiment of maqāṣid al-sharī‘ah values remains partial. Elements such as justice, fair profit, social welfare, and mutual assistance are evident but fragmented and lack institutional standardisation. As a result, the spirit of maqāṣid al-sharī‘ah is not yet fully realised in contemporary practice. This study concludes that there is an urgent need to reformulate the strategy and design of murābaḥah products to reflect the holistic objectives of maqāṣid al-sharī‘ah better better. This involves preserving wealth and prohibiting usury and safeguarding life, intellect, and lineage. The research contributes by exposing the gap between formal compliance and substantive realisation, offering novelty in reframing murābaḥah as a contemporary instrument for promoting justice, welfare, and sustainable Islamic finance.
Co-Authors Arzal Syah Hamida Kamiruddin Mujahidin