<![CDATA[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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