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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam At-Tahdzib: Jurnal Studi Islam dan Muamalah
Lisvi Vahlevi, Dewi Riza
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Innovation and Challenges of Musyarakah Contracts in Islamic Financial Institutions: Fintech Integration, Smart Contracts, and the Role in MSME Financing (Empirical and Policy Review, 2021–2025) Lisvi Vahlevi, Dewi Riza
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 13 No 2 (2025): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/9d3f6275

Abstract

Background. The acceleration of financial digitalization in the 2021–2025 period has encouraged Lembaga Keuangan Syari’ah (LKS) to develop musyarakah contract innovations through fintech integration and the use of blockchain-based smart contracts, as well as making musyarakah a strategic instrument in strengthening the productive financing of MSMEs. Aim. This research aims to analyze the development of these innovations as well as identify regulatory, operational, and technological challenges that affect the effectiveness of their implementation in the Islamic finance industry. Methods. Using empirical and policy review methods with a mixed-method approach including secondary data analysis from the Otoritas Jasa Keuangan, Islamic banking and fintech reports, academic studies 2021–2025, as well as thematic qualitative analysis of regulations and fatwas. Results. This study found that the integration of fintech and smart contracts can improve transparency, monitoring accuracy, speed of the financing process, and mitigation of moral hazard risks in musyarakah schemes, while the main challenges are related to regulatory fragmentation, readiness of digital infrastructure of LKS, data security risks, and low sharia technology literacy. These findings emphasize the need for policy harmonization, standardization of sharia smart contracts, and collaboration between regulators, LKS, and fintech players to maximize the potential of deliberation in supporting the empowerment of MSMEs in the digital economy era.
Pengaruh Kepatuhan Akad Jual Beli Salam dan Istishna’ terhadap Tingkat Perlindungan Konsumen (Hifz al-Mal) pada Transaksi Pre-Order (PO) di TikTok Shop Rachmawati, Julia; Lisvi Vahlevi, Dewi Riza
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): 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.v7i3.11285

Abstract

The use of TikTok Shop as a digital transaction platform is increasingly popular, particularly through the pre-order (PO) system offered to consumers. Although it provides convenience in shopping, the pre-order system also carries potential risks such as product uncertainty, delivery delays, and financial losses. From the perspective of Islamic economics, these conditions require compliance with Sharia-based contracts to ensure the protection of wealth (hifz al-mal). This study aims to analyze the effect of compliance with salam and istishna’ contracts on the level of consumer protection (hifz al-mal) in pre-order transactions on TikTok Shop. This study examines the contribution of salam and istishna’ contract compliance to the protection of consumer wealth (hifz al-mal) in the pre-order system on TikTok Shop. A quantitative approach was employed, with data collected from 169 respondents who had previously made purchases through the pre-order system. Data were analyzed using classical assumption tests and multiple linear regression with SPSS software to test the research hypotheses. The results indicate that compliance with salam and istishna’ contracts has a positive and significant effect on consumer protection, both partially and simultaneously. These findings confirm that adherence to Islamic principles is not merely normative but plays a crucial role in reducing financial risk and strengthening trust in digital transactions.
Co-Authors Rachmawati, Julia