ANALISIS IMPLEMENTASI PRINSIP SYARIAH DALAM TRANSAKSI EKONOMI MODERN

Abstract

Abstract

Modern economic transactions are integral to global society, shaped by technological advancements and international market integration. For Muslim communities, Sharia principles guide these activities, ensuring alignment with religious teachings. This research examines the application of Sharia principles in modern economic transactions, emphasizing justice, sustainability, and transparency, and addressing challenges in the digital era. Core principles such as the prohibition of riba (interest), gharar (uncertainty), and maisir (gambling) establish a fair and stable economic system, distinguishing Sharia-based systems from conventional ones. Sharia-compliant fintech and halal e-commerce offer opportunities to expand access to ethical financial services while posing challenges in ensuring Sharia compliance amid rapid digital innovations. Using a qualitative approach, including literature reviews and expert interviews, the study highlights the need for education, regulation, and collaboration among governments, scholars, and practitioners. These efforts aim to develop strategies to strengthen Sharia principles in modern economies, fostering a fair and sustainable financial system for future growth.

Keywords: Sharia Principles, Modern Economic Transactions, Islamic Finance

Abstrak

Transaksi ekonomi modern merupakan bagian integral dari masyarakat global, didukung kemajuan teknologi dan integrasi pasar internasional. Dalam masyarakat Muslim, prinsip syariah menjadi pedoman utama untuk memastikan aktivitas ekonomi sesuai ajaran agama. Penelitian ini membahas implementasi prinsip syariah dalam transaksi ekonomi modern, menekankan nilai keadilan, keberlanjutan, dan transparansi, serta tantangan era digital. Prinsip larangan riba, gharar, dan maisir menjadi landasan sistem ekonomi adil dan stabil, membedakan transaksi berbasis syariah dari sistem konvensional. Teknologi finansial syariah (fintech) dan ecommerce halal memperluas akses layanan keuangan syariah, namun menimbulkan tantangan kepatuhan syariah dalam inovasi digital. Dengan pendekatan kualitatif melalui studi literatur dan wawancara pakar, analisis menunjukkan penerapan prinsip syariah memerlukan edukasi, regulasi memadai, dan kolaborasi antara pemerintah, ulama, serta praktisi. Penelitian ini memberikan kontribusi strategi untuk memperkuat implementasi prinsip syariah dalam ekonomi modern yang adil dan berkelanjutan.

Kata kunci: Prinsip Syariah, Transaksi Ekonomi Modern, Keuangan Islam