TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah
Vol. 2 No. 3 (2025): TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah

Crowdfunding Syariah: Model Pembiayaan Alternatif dalam Bingkai Fiqih: Sharia Crowdfunding: An Alternative Financing Model in the Framework of Contemporary Fiqh

Muhammad Adi Saputra (Unknown)
Muhammad Yazid (Unknown)



Article Info

Publish Date
30 Sep 2025

Abstract

Sharia crowdfunding represents one of the innovative developments in Islamic financing systems in the digital era. This model offers an inclusive alternative financing method by involving the public directly in funding productive and social projects. Unlike conventional crowdfunding, Sharia crowdfunding emphasizes the principles of fiqh al-muʿāmalah, such as justice, transparency, and the prohibition of riba (usury), gharar (uncertainty), and maisir (speculation). This study aims to analyze Sharia crowdfunding from the perspective of contemporary Islamic jurisprudence (fiqh kontemporer), examine the contracts applied in its operation, and explore its relevance to the objectives of Islamic law (maqāṣid al-sharīʿah). The research adopts a qualitative, descriptive-analytical approach based on library research. The findings indicate that Sharia crowdfunding can serve as an effective and ethical alternative financing model aligned with Islamic law, provided it adheres to the principles of fairness, transparency, and strong Sharia supervision. Furthermore, it contributes to achieving socio-economic justice and financial inclusion in accordance with Islamic ethical values.

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Journal Info

Abbrev

tijarah

Publisher

Subject

Economics, Econometrics & Finance

Description

TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah is a scholarly journal published by Litera Academica Publishing, under the Yayasan Amal Ibnu Shabil (Based on Akte Pendirian Yayasan No. 08, January 22, 2022), focusing on the study of economics, management, and business from an Islamic ...