Digitalisasi Akad Murābaḥah di Era Fintech Syariah: Analisis Hukum Ekonomi Syariah

Abstract

Nowadays, the development of Islamic financial technology (fintech syariah) has brought significant changes to the system of Islamic economic transactions, including in the implementation of the murābaḥah contract. This study aims to analyze the concepts and legal validity of digitalization in murābaḥah contracts from the perspective of Islamic economic law. The research method used in this study is normative legal research with statutory, conceptual, and fiqh mu‘āmalah approaches through an examination of Islamic legal sources such as DSN-MUI fatwas and current regulations on Islamic fintech in Indonesia. The results show that the digitalization of murābaḥah contracts is permissible under Islamic law as long as it fulfills the pillars and conditions of a valid sale, including the presence of contracting parties, a clear object, transparent pricing, and a valid ijab-qabul (offer and acceptance) conducted through electronic media. Digitalization does not change the substance of the contract but serves as a means to enhance efficiency, accessibility, and transparency in Islamic financing.

Keywords: Murābaḥah, Islamic Fintech, Islamic Economic Law.