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All Journal INVEST : Jurnal Inovasi Bisnis dan Akuntansi JAWI : Journal of Ahkam Wa Iqtishad
Muhammad Adnan Azzaki
Universitas Islam Negeri Sultan Syarif Kasim Riau
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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The Dynamics of Sharia Compliance in the Sharia Fintech Ecosystem in Indonesia: A Contemporary Fiqh Muamalah Analysis Mhd. Iqbal; Rozi Andrini; Muhammad Adnan Azzaki
JAWI : Journal of Ahkam Wa Iqtishad Vol. 4 No. 1 (2026): JAWI - MARET
Publisher : MUI Kota Pekanbaru

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Abstract

The development of financial technology (fintech) has driven significant transformations in the financial system, including the emergence of  Islamic fintech as an alternative to digital financial services based on Islamic principles. However, rapid technological innovation also presents challenges related to sharia compliance, especially in ensuring the conformity of operational practices with the principles of fiqh muamalah. This study aims to analyze the dynamics of sharia compliance in the sharia fintech ecosystem in Indonesia through the perspective of contemporary fiqh muamalah The research method used is a qualitative approach with literature studies on relevant scientific journals, regulations, and fatwas. The results of the study show that normatively most sharia fintechs have adopted the principles of sharia compliance, but in practice there are still variations in implementation, especially related to the validity of digital contracts, information transparency, delay penalties, and the effectiveness of the supervision of the Sharia Supervisory Board. This research confirms that contemporary fiqh muamalah has a strategic role in bridging technological innovation with sharia principles, in order to realize a fair, sustainable, and maqāṣid al-sharia fintech ecosystem.
Implementation of Rahn Contract Principles in Sharia Pawnshops to Enhance Public Interest in Sharia Pawn Services Hafiza Putra; Muhammad Adnan Azzaki; Mazzlida Mat Deli
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 5 No. 2 (2024): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/invest.v5i2.1146

Abstract

An Islamic financial institution is a business entity whose activities are in the field of Islamic finance and its assets are in the form of financial and non-financial based on Islamic sharia principles, one of which is a sharia pawnshop (rahn). A rahn contract is a contract for the delivery of goods as collateral for a debt transaction that is agreed upon within a certain period of time. The lack of public knowledge of the principles of sharia pawnshops has led to the need for efforts to increase literacy to increase public interest in Islamic financial institutions. The purpose of this research is to provide information and understanding about the principles of the Rahn contract for Sharia pawnshops.
Co-Authors Hafiza Putra Mazzlida Mat Deli Mhd. Iqbal Rozi Andrini