Ekosiana : Jurnal Ekonomi Syariah
Vol. 13 No. 2 (2026): Ekosiana : Jurnal Ekonomi Syariah (IN PROGRESS)

Conceptual Study of the Ijarah Contract in Modern Sharia Business in the Digital Economy Era

Duwi Lestari (Institut Al-Ma’arif Way Kanan, Indonesia)
Erwina Mutiara Sari (Institut Al-Ma’arif Way Kanan, Indonesia)
Cindi Melinda Sari (Institut Al-Ma’arif Way Kanan, Indonesia)
Dwi Ayu Widyaningsih (Institut Al-Ma’arif Way Kanan, Indonesia)
Roehana Rofaidatun Umroh (Universitas Al Ahgaff, Yaman)



Article Info

Publish Date
05 Jun 2026

Abstract

This study aims to analyze the concept of the ijarah contract from the perspective of Islamic business, examine its implementation in modern business practices, and identify the challenges of its application in the development of the contemporary economy. This research employs a library research method with a qualitative approach through the analysis of books, scientific journals, DSN-MUI fatwas, and relevant laws and regulations. The findings indicate that the ijarah contract possesses high flexibility and relevance in modern Islamic business because it emphasizes the utilization of goods or services without transferring ownership rights. The implementation of ijarah has developed in various sectors, including Islamic banking, leasing, digital services, and platform-based economies. However, its application still faces several challenges, such as the complexity of digital transactions, ambiguity in the object of benefit, low literacy in Islamic economics, and the tendency to formalize contracts without strengthening the substantive values of Sharia principles. This study emphasizes that the ijarah contract should not merely be understood as a legal-formal instrument, but must also be implemented based on the principles of justice, transparency, and public benefit (maslahah). The main contribution of this research lies in strengthening the analysis of the ijarah contract within the context of modern digital business as part of the development of an adaptive and equitable Islamic economy.

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Journal Info

Abbrev

ekosiana

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

EKOSIANA: Jurnal Ekonomi Syariah is a Journal that is published twice a year in the months of March and September. This journal has been indexed on Google Scholar. The aim of this journal is to promote a principled approach to research on Sharia Economy-related concerns by encouraging enquiry into ...