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All Journal ASAS : Jurnal Hukum Ekonomi Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Rusdiana Priatna Wijaya
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Transaksi E-Commerce dalam Perspektif Hukum Ekonomi Syariah Muhammad Razi Al Faruqi; Rusdiana Priatna Wijaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7288

Abstract

This study analyzes the validity of e-commerce contracts under Islamic Sharia law, focusing on applying traditional contract principles to digital transactions. Employing a qualitative descriptive approach, data were gathered through a literature review, expert interviews, and analysis of online platform terms and conditions. Interactive data analysis was used to understand the contractual challenges comprehensively. The findings reveal inconsistencies between standard e-commerce practices and Sharia requirements for valid contracts, particularly regarding ijab (offer), qabul (acceptance), and the clarity of contractual terms. The research emphasizes the importance of transparency, mutual agreement, and avoiding gharar (uncertainty) in ensuring sharia-compliant transactions. This study contributes a conceptual framework for adapting Sharia contract principles to the digital environment, offering practical guidance for regulators, digital businesses, and legal scholars. By proposing a model for Sharia-compliant e-commerce contracts, the research promotes a more ethical and inclusive digital marketplace.
Transaksi E-Commerce dalam Perspektif Hukum Ekonomi Syariah Muhammad Razi Al Faruqi; Rusdiana Priatna Wijaya
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 6 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i6.7288

Abstract

This study analyzes the validity of e-commerce contracts under Islamic Sharia law, focusing on applying traditional contract principles to digital transactions. Employing a qualitative descriptive approach, data were gathered through a literature review, expert interviews, and analysis of online platform terms and conditions. Interactive data analysis was used to understand the contractual challenges comprehensively. The findings reveal inconsistencies between standard e-commerce practices and Sharia requirements for valid contracts, particularly regarding ijab (offer), qabul (acceptance), and the clarity of contractual terms. The research emphasizes the importance of transparency, mutual agreement, and avoiding gharar (uncertainty) in ensuring sharia-compliant transactions. This study contributes a conceptual framework for adapting Sharia contract principles to the digital environment, offering practical guidance for regulators, digital businesses, and legal scholars. By proposing a model for Sharia-compliant e-commerce contracts, the research promotes a more ethical and inclusive digital marketplace.
Legal Consistency of the Ta’zir Clause in the Financing of Musyarakah Mutanaqishah: An Empirical Study on Bank DKI Syariah Amanda Chintya Dewi; Anggi Irawan; Rina Susanti Abidin Bahren; Rusdiana Priatna Wijaya
ASAS Vol. 18 No. 01 (2026): Asas, Vol. 18, No. 01 Juni 2026
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/asas.1801.32192

Abstract

This study analyzes the legal consistency of the ta’zir clause in the financing of Musyarakah Mutanaqishah at Bank DKI Syariah through an empirical juridical study of the Financing Approval Letter and notarial deeds. The problem with the research lies in the difference in the formulation of the ta’zir clause in the two documents, which is 2.5% of the amount of arrears in the SPPP and 2.5% per day of the amount of arrears in the notarial deed. This study uses an empirical juridical method with a case study approach. The results of the study show that ta’zir is basically justified in sharia economic law as a sanction for customers who can afford but deliberately delay payment. However, the difference in clause formulation between SPPP and notarial deeds shows that there are inconsistencies that have the potential to weaken legal certainty, open up space for multiinterpretation, and disrupt sharia compliance if not immediately harmonized. Therefore, the harmonization of ta’zir clauses in all financing documents is needed as a preventive step so that the Musyarakah Mutanaqishah contract is structured clearly, proportionately, and provides balanced legal protection for banks and customers.
Co-Authors Amanda Chintya Dewi Anggi Irawan Muhammad Razi Al Faruqi Rina Susanti Abidin Bahren