Priviet Social Sciences Journal
Vol. 6 No. 9 (2026): September, 2026

A review of Islamic criminal law on criminal acts in the banking sector (Analysis of sanctions for the criminal act of carding)

Muhammad Harris Danial (Universitas Islam Negeri Ar-Raniry Banda Aceh)
Irwansyah Irwansyah (Universitas Islam Negeri Ar-Raniry)
Riadus Sholihin (Universitas Islam Negeri Ar-Raniry)



Article Info

Publish Date
15 Sep 2026

Abstract

This study examines the crime of carding from the perspective of Islamic criminal law in response to the rise of cybercrime in modern digital transactions. The problem addressed is how Islamic law classifies carding within the structure of fiqh jināyah and how the regulation of this act can be constructed through Islamic legal principles. The research questions focus on: (1) how carding is viewed in Islamic criminal law, and (2) how the jarīmah of carding is regulated according to Islamic legal studies. This research employs a normative juridical method with a conceptual approach, using primary sources such as the Qur’an, Hadith, and classical and contemporary fiqh literature, as well as secondary sources including academic journals and legal regulations. The findings reveal that although carding resembles tadlis (fraud) in substance, it does not fulfill the classical requirements of hudūd due to the absence of physical taking from a protected place (hifz). Therefore, the most appropriate classification is jarīmah ta ʿzīr, where punishment is determined based on judicial discretion, maslahah (public interest), and the protection of property (hifz al-māl) within maqāsid al-syarī‘ah. The study concludes that Islamic criminal law possesses normative flexibility to address modern cybercrimes through the taʿzīr mechanism without departing from its foundational principles.

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Journal Info

Abbrev

PSSJ

Publisher

Subject

Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

Description

PSSJ: Priviet Social Sciences Journal is an open access, monthly peer-reviewed international journal published by PRIVIETLAB. It provides an avenue to academicians, researchers, managers and others to publish their research work that contributes to the knowledge and theory of Social Sciences. PSSJ ...