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All Journal El-kahfi : Journal of Islamic economics Journal of Vocational, Informatics and Computer Education
Asia, Nurul
Unknown Affiliation
Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Strategies for Preventing Prohibited Transactions in Islamic Digital Finance: A Reflection on Riba, Gharar, and Maysir Asia, Nurul; Semaun, Syahriyah
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.591

Abstract

The rapid expansion of digital financing products presents both opportunities and challenges to maintaining compliance with Islamic financial principles, especially concerning prohibitions against riba and gharar. This study analyzes Islamic financial management strategies to prevent non-compliant transactions within the digital financing ecosystem. Using a qualitative literature approach combined with thematic analysis of academic works, fatwas, and regulatory documents, the study identifies five dominant factors influencing sharia compliance: contractual clarity, information transparency, internal supervision, technological integration, and user literacy regarding digital contracts and transaction risks. The thematic analysis further revealed that institutions applying integrated monitoring and user education frameworks demonstrate higher compliance levels than those relying solely on contractual formalities. The findings suggest the necessity of a measurable Islamic financial management model that aligns contract design, risk control, and technology-based supervision to ensure that digital financing products are not only sharia-compliant but also effective in achieving the objectives of maqāṣid al-syarī‘ah.
Inovasi Jasaku: Pengaruh Website Terhadap Kemudahan Perbaikan Rumah Oleh Tukang Dan Masyarakat Hidayat M, Wahyu; Asia, Nurul; Ain, Noer’; Putri, Rafika Hutami; Mirdad, Rian Mizar; Leo, Muhammad Alif
Journal of Vocational, Informatics and Computer Education Vol 1, No 1 (2023): Juni 2023
Publisher : PT. Lontara Digitech Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/voice.v1i1.20231

Abstract

Masalah utama yang dihadapi dalam perbaikan rumah adalah kesulitan dalam mencari tukang yang berkualitas dan dapat dipercaya. Penelitian ini bertujuan untuk mengevaluasi pengaruh penggunaan website JasaKu' dalam mempermudah pencarian tukang dan meningkatkan layanan perbaikan rumah. Metode yang digunakan dalam penelitian ini adalah wawancara dengan responden yang menggunakan website JasaKu' serta observasi terhadap fitur yang disediakan dalam platform tersebut. Hasil penelitian menunjukkan bahwa website JasaKu' memberikan kemudahan dalam mencari tukang, meningkatkan kepercayaan masyarakat melalui sistem ulasan, dan memberikan manfaat bagi tukang dalam mempromosikan jasa mereka secara online. Namun, tantangan terkait keamanan data dan biaya pengembangan website perlu diperhatikan. Kesimpulannya, platform seperti JasaKu' dapat meningkatkan efisiensi dalam perbaikan rumah, namun perusahaan perlu mengatasi tantangan teknis dan keamanan agar layanan tetap optimal
Co-Authors Ain, Noer’ Hidayat M, Wahyu Leo, Muhammad Alif Mirdad, Rian Mizar Putri, Rafika Hutami Syahriyah Semaun, Syahriyah