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Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.

Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.

Foreign Exchange Transactions (Sharf) in the Perspective of Fiqh Muamalah: Between Classical Traditions and the Challenges of the Contemporary Global Economy Syaripuddin, Syaripuddin; Sunarta, Desy Arum; Mashuri, Arif; Mulyawan, Andi Wawan; Khaeriyah, Hamzah; Wijaya, Abdi
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1119

The rapid development of the global economy has increased the need for foreign exchange (Sharf) transactions across individuals, financial institutions, and nations. However, concerns about the permissibility of foreign exchange transactions from the perspective of Islamic law (fiqh muamalah) have become increasingly relevant. This study examines the sharia principles governing Sharf transactions, focusing on the application of fiqh muamalah to both classical and contemporary foreign exchange practices, particularly those involving digital technology. The research employs a descriptive qualitative method through a literature-based approach, exploring the views of classical and contemporary scholars, and analyzing the role of fatwas in ensuring compliance with sharia principles. The findings reveal that foreign exchange transactions must fulfill requirements such as immediate mutual exchange (taqabudh fi al-majlis) and avoid elements of usury (riba), uncertainty (gharar), and gambling (maysir). In the digital era, new challenges have emerged with the rise of financial instruments such as forex margin trading and cryptocurrency, requiring adaptive legal interpretations within the framework of fiqh muamalah to maintain sharia compliance. Thus, contemporary ijtihad and fatwas from sharia financial authorities are essential in guiding technology-based foreign exchange transactions to remain within Islamic legal boundaries.

MODEL AKAD MUAMALAH KONTEMPORER BERBASIS DIGITAL: INTEGRASI MAQĀṢID AL-SYARĪ‘AH DAN INOVASI TEKNOLOGI KEUANGAN SYARIAH Abdi Dzul Jalal Ikram; A. M. Nur Atma Amir; Nelia Syafriawati; Hamzah Khaeriyah; Abdi Widjaja
HEI EMA : Jurnal Riset Hukum, Ekonomi Islam, Ekonomi, Manajemen dan Akuntansi Vol. 5 No. 1 (2026): Januari
Publisher : Prodi Hukum Ekonomi Syariah, STI Syariah AL-Hilal SIgli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61393/heiema.v5i1.350

Digitalisasi dalam sistem keuangan Islam memunculkan kebutuhan mendesak akan pengembangan model akad muamalah kontemporer yang sesuai dengan prinsip syariah dan kompatibel dengan infrastruktur teknologi modern. Penelitian ini bertujuan untuk merumuskan struktur ideal dan pendekatan implementatif dari akad syariah berbasis digital yang adaptif terhadap dinamika ekonomi dan perkembangan teknologi informasi. Metode yang digunakan dalam studi ini bersifat kualitatif dan normatif dengan pendekatan multidisipliner, termasuk studi pustaka, analisis yuridis terhadap regulasi nasional dan fatwa Dewan Syariah Nasional, serta eksplorasi terhadap aplikasi teknologi seperti blockchain, smart contracts, dan artificial intelligence. Temuan utama menunjukkan bahwa integrasi teknologi digital dalam akad syariah dapat meningkatkan efisiensi, transparansi, dan inklusi keuangan tanpa mengorbankan kepatuhan terhadap prinsip-prinsip hukum Islam. Model akad digital yang dirancang berdasarkan maqāṣid al-sharī‘ah mampu memitigasi risiko hukum dan operasional, sekaligus menciptakan struktur transaksi yang adil dan akuntabel. Penerapan tanda tangan digital, algoritma kepatuhan, serta platform fintech syariah terbukti mendukung otomasi dan pengawasan akad secara berkelanjutan. Kesimpulan dari penelitian ini menegaskan pentingnya kerangka regulatif yang komprehensif, peningkatan literasi keuangan syariah, dan kolaborasi antar pemangku kepentingan untuk mendukung keberhasilan implementasi akad digital dalam sistem keuangan Islam kontemporer.

Potensi Lazisnu dalam Meningkatkan Sosial Ekonomi Masyarakat Kota Sorong Papua Barat Hamzah Hamzah; St Umrah
Khazanah Theologia Vol. 1 No. 1 (2019): Khazanah Theologia
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kt.v1i1.8051

One of the worship in Islam is the implementation of zakat, infaq and Shadaqah (ZIS). On the other hand, ZIS is also an effective solution in empowering the social economy. This study aims to elaborate the potential and socio-economic assistance of the community conducted by LAZISNU Sorong. The research method uses descriptive qualitative research with NU leaders, LAZISNU Sorong managers and beneficiary communities as informants in the study. Data collected by observation, interview and documentation. The Miles and Huberman model analysis technique is used as an analysis tool. The results of this study show that the number of Nahdiyin (member of Nahdlatul ulama) residents and a solid and competent management team is a potential in the development of LAZIZNU. There are 4 models of excellent programs that continue to be carried out, including: NUSmart, NUPrenuer, NUSkill, and NUCare as pillars of improving the social economy of the community. In addition, the activation of the District Level NU Deputy Council, and the establishment of new branches and UPZIS can reach muzaqqi and munfiq in the interior into an effort in institutional optimization.

PRAKTIK MONOPOLI DAN KARTEL DI PASAR GLOBAL DALAM METAFORA KEADILAN Dedi Mardianto; Hamzah Haeriyah; Muslimin Kara
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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This study aims to analyze the practice of monopolies and cartels in the global market through a metaphorical approach to justice in order to expose the structural inequality hidden behind formal legal legitimacy. The object of study includes the dominance of multinational companies such as OPEC, Amazon, and Google in the global market. The method used is a critical qualitative approach with hermeneutic and discourse analysis techniques, supported by literature studies from selected academic sources. The results show that cartel and monopoly practices not only create economic distortions through market and price control, but also violate Rawls' principle of distributive justice and ignore ethical responsibilities towards stakeholders. This research develops a conceptual framework that integrates distributive ethics, stakeholder theory, social justice, and antitrust principles as the basis for developing more substantively fair market policies, so that justice in the global market must be understood more deeply as an ethical and social principle, not just a formal legal one, so that antitrust regulations can promote inclusive, equitable, and collective welfare-oriented markets.

IMPLEMENTASI PRINSIP AKAD MUAMALAH DALAM TRANSAKSI FINTECH SYARIAH: STUDI KASUS PADA PLATFORM ALAMI SHARIA INDONESIA Fahmiah Akilah; Wahidah Rahim; Hamzah Haeriyah; Abdi Wijaya
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 3 (2026): April
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i3.64512

Abstrak Paper ini menganalisis implementasi prinsip-prinsip akad muamalah dalam transaksi fintech syariah pada platform ALAMI Sharia Indonesia dengan meninjau kesesuaian praktiknya terhadap kaidah fiqh muamalah serta rujukan regulatif Fatwa DSN-MUI. Fokus kajian diarahkan pada tiga akad utama yang digunakan ALAMI, yakni wakalah bil ujrah, musyarakah, dan murabahah. Metode yang digunakan adalah studi kasus kualitatif berbasis kajian normatif dan analisis dokumen, meliputi telaah struktur akad, kontrak digital, serta pedoman operasional yang terkait. Hasil analisis menunjukkan bahwa akad wakalah bil ujrah telah memenuhi prinsip transparansi karena ujrah/fee ditetapkan sejak awal dan disepakati para pihak melalui kontrak digital. Akad musyarakah mencerminkan prinsip keadilan melalui pembagian keuntungan sesuai kesepakatan dan risiko/kerugian secara proporsional berdasarkan porsi modal. Sementara itu, akad murabahah dijalankan dengan keterbukaan harga pokok, margin, dan tenor sehingga meminimalkan gharar/jahalah. Secara keseluruhan, implementasi akad di ALAMI dinilai selaras dengan fatwa DSN-MUI dan mendukung praktik pembiayaan yang adil dan akuntabel dalam ekosistem ekonomi digital. Kata kunci: fintech syariah; akad muamalah; ALAMI Sharia; DSN-MUI; P2P lending. Abstract This paper analyzes the implementation of muamalah contract principles in Sharia fintech transactions on the ALAMI Sharia Indonesia platform by reviewing their compliance with the principles of muamalah fiqh and the regulatory references of the DSN-MUI Fatwa. The study focuses on the three main contracts used by ALAMI: wakalah bil ujrah, musyarakah, and murabahah. The method used is a qualitative case study based on normative studies and document analysis, including a review of the contract structure, digital contracts, and related operational guidelines. The analysis shows that the wakalah bil ujrah contract meets the principle of transparency because the ujrah/fee is determined from the outset and agreed upon by the parties through the digital contract. The musyarakah contract reflects the principle of fairness through the distribution of profits according to the agreement and risks/losses proportionally based on the capital portion. Meanwhile, the murabahah contract is executed with transparency regarding the principal price, margin, and tenor, thereby minimizing gharar/jahalah. Overall, the implementation of contracts at ALAMI is considered to align with the DSN-MUI fatwa and supports fair and accountable financing practices in the digital economy ecosystem. Keywords: Sharia fintech; muamalah contracts; ALAMI Sharia; DSN-MUI; P2P lending.

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