The Principle of Ats-Tsabit bi Al-‘Urfi ka Ats-Tsabit bi Asy-Syar’i in DSN-MUI Fatwa No. 117 on Sharia Fintech

Ryan Bianda(1*),


(1) Sekolah Tinggi Ilmu Syariah Al Wafa Bogor
(*) Corresponding Author

Abstract


This research aims to describe and analyze the integration of the fiqh rule Ats-Tsabit bi Al-‘Urfi ka Ats-Tsabit bi Asy-Syar’i into the context of DSN-MUI Fatwa No. 117, which regulates Sharia-compliant financial technology (fintech). The study highlights the significance of combining urf (custom) and Sharia principles to create a comprehensive framework for enhancing Islamic financial products and services. This qualitative research uses a literature-based approach, collecting secondary data from fatwas, books, journals, and other relevant sources. The findings reveal that the application of the Ats-Tsabit rule not only reinforces the validity of modern financial transactions in compliance with Sharia but also supports the innovation needed to address the dynamic demands of society. The study also emphasizes the role of urf as a fundamental element in bridging traditional Islamic law with contemporary economic practices. These insights provide actionable recommendations for improving regulatory frameworks and fostering public trust in the Islamic fintech ecosystem. This research makes a significant contribution to the development of Islamic economic law by offering a sustainable approach to aligning technological advancements with Sharia principles.
Keywords: Financial Technology, Fatwa, DSN-MUI, Islamic Law, Urf.

Full Text:

PDF

References


Adji, Y. B., Muhammad, W. A., Akrabi, A. N. L., & Noerlina, N. (2023). Perkembangan inovasi fintech di Indonesia. Business Economic, Communication, and Social Sciences Journal (BECOSS), 5(1), 47–58. https://doi.org/10.21512/becossjournal.v5i1.8675

al-BughÄ, M. D. (1999). Athar al-Adillah al-Mukhtalaf fÄ«hÄ fÄ« al-Fiqh al-IslÄmiyy. Beirut: DÄr al-Qalam.

Al-ZarqÄ, S. A. (2001). Syarḥ al-QawÄÊ¿id al-Fiqhiyyah. Damsyiq: DÄr al-Qalam.

Andiko, T. (2011). Ilmu Qawa’id Fiqhiyyah: Panduan praktis dalam merespon problematika hukum Islam kontemporer. Teras.

Anggoro, S., Umam, K., & Mawardi, S. (2023). Blockchain-based market transaction and Islamic economics: A bibliometric analysis. Falah: Jurnal Ekonomi Syariah, 8(2), 64–78. https://doi.org/10.22219/jes.v8i2.23697

Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Gema Insani.

Bianda, R., Gunaepi, A., & Munir, M. (2023). Offering sharia securities through technology-based crowdfunding services based on sharia principles according to MUI fatwa. Journal of World Science, 2(3), 332–340. https://doi.org/10.58344/jws.v2i3.240

Djazuli, A. (2006). Kaidah-kaidah fikih: Kaidah-kaidah hukum Islam dalam masalah-masalah yang praktis. Jakarta: Kencana.

Fauzi, S. I. D., Beik, I. S., & Munandar, J. M. (2023). The influence of knowledge, service quality, trust, and perceived value on sharia fintech customer satisfaction. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 14(2). https://doi.org/10.15408/aiq.v14i2.28327

Firmansyah, H., Rusydi, M., Irwan, I., & Mulyatno, M. (2024). Financial technology berdasarkan prinsip syariah dan model penggunaan akad dalam fintech syariah: Kajian terhadap fatwa DSN-MUI. Tabayyanu: Journal of Islamic Law, 1(1), 58–74. https://jurnal.tabayanu.com/index.php/tabayyanu/article/view/6

Hadrianto, M. S., Angga, L. O., & Fataruba, S. (2022). Pelaksanaan fatwa Dewan Syariah Nasional tentang layanan pembiayaan berbasis teknologi informasi berdasarkan prinsip syariah pada perusahaan fintech syariah. TATOHI: Jurnal Ilmu Hukum, 1(12), 1196–1214. https://doi.org/10.47268/tatohi.v1i12.876

Hidayatullah, M. S., & Hidayati, T. (2021). Analisis hadits akad ijarah, ijarah muntahiyah bittamlik, dan ijarah maushufah fi dzimmah (telaah fatwa DSN-MUI). Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 6(2), 197–214. https://doi.org/10.24235/jm.v6i2.9160.g4053

Izzat, O. D. (1989). Al-Qawaid al-Fiqhiyyah ma’a Syarhi al-Mujaz. Damsyik: Dar Tarmizi.

Jamaludin, M. (2023). Certification and supervision of sharia conformity National Sharia Council Indonesian Ulama Council (DSN-MUI) on sharia property. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 8(2), 192–204. https://doi.org/10.24235/jm.v8i2.13032

Jannah, Z., Firdaus, S., & Kusumadewi, R. (2019). Implementasi fatwa DSN MUI No. 04/DSN-MUI/IV/2000 pada akad pembiayaan murÄbahah di BMT MubÄrokah MWC NU Margadana Kota Tegal. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 4(1), 84–97. https://doi.org/10.24235/jm.v4i1.4306

Mumazziq, R. (2011). Posisi al-Ê¿Urf dalam struktur bangunan hukum Islam. Jurnal Falasifa, 2(2).

Nafis, M. C. (2011). Teori hukum ekonomi syariah.

Nasikha, F., Saefulloh, E., & Prayuda, W. R. (2019). Perjanjian asuransi jiwa dalam perspektif Undang-Undang Nomor 02 Tahun 1992 dan fatwa DSN-MUI Nomor 21/DSN-MUI/X/2001. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 4(1), 11–27. https://doi.org/10.24235/jm.v4i1.4300

Nurjaman, M. I., & Witro, D. (2021). Transformasi akad tabarru’ menjadi akad mu’awadhat; Analisis akad hiwalah dan akad kafalah di lembaga keuangan syariah. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 6(2), 162–172. https://doi.org/10.24235/jm.v6i2.8748

Otoritas Jasa Keuangan. (2023). Laporan perkembangan fintech syariah di Indonesia 2022. Otoritas Jasa Keuangan. https://www.ojk.go.id

Pahlevi, R., Zulpahmi, Z., Al-Azizah, U. S., & Hasibuan, A. A. (2023). Adoption of fintech services for sharia bank users in Indonesia: An extended TAM approach. Equilibrium: Jurnal Ekonomi Syariah, 11(1), 27–50. https://doi.org/10.21043/equilibrium.v11i1.19641

Pardiansyah, E., Sobari, N., & Usman, H. (2022). The determinants of intention to adopt Islamic financial technology in Indonesia. Equilibrium: Jurnal Ekonomi Syariah, 10(2), 347. https://doi.org/10.21043/equilibrium.v10i2.16539

Rizaludin, R., Susanto, H., & Mubarak, J. (2023). Analisis kaidah ʿUrf pada fatwa DSN-MUI No. 54 tentang syariah card. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(4), 1904–1921. https://doi.org/10.47467/alkharaj.v5i4.1823

Saifullah, S., Munawar, F. A. A., Bahagiati, K., & Supriyadi, A. P. (2024). Legal positivism and fiqh muamalah paradigm’s on Indonesian sharia fintech legal framework. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 16(1), 183–208. https://doi.org/10.15408/aiq.v16i1.39237

Sulaiman, A. (2004). Sumber hukum Islam: Permasalahan dan fleksibilitasnya. Jakarta: Sinar Grafika.

Sumartini, S., Arifin, J., & Sagala, S. G. (2021). Status dan kedudukan hukum lembaga financial technology (FinTech) syariah dalam menyelenggarakan jasa keuangan kepada masyarakat. Yustitia, 7(2), 196–208. https://doi.org/10.31943/yustitia.v7i2.143

Syahputra, A., & Khairina, K. (2022). Kedudukan cryptocurrency sebagai investasi dalam ekonomi Islam. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 7(2), 139–154. https://doi.org/10.24235/jm.v7i2.10903

Syihab, U. (1996). Hukum Islam dan transformasi pemikiran.

Tamam, A. B. (2021). Kedudukan fatwa Majelis Ulama Indonesia (MUI) dan fatwa Dewan Syariah Nasional (DSN) dalam sistem hukum Indonesia. Al-Musthofa: Journal of Sharia Economics, 4(2), 172–181. https://doi.org/10.58518/al-musthofa.v4i1.739

Wijayanti, R., & Angraini, D. M. (2023). Validitas elektronik kontrak syariah pada financial technology PT. Dana Syariah Indonesia sebagai alat bukti autentik. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 8(1), 60–73. https://doi.org/10.24235/jm.v8i1.11544

Zamroni, M. (2020). Peran DSN-MUI dalam kegiatan perbankan syariah. Tasyri’: Jurnal Tarbiyah-Syari’ah Islamiyah, 25(1), 45–56.




DOI: 10.24235/jm.v9i2.15241

Article Metrics

Abstract view : 0 times
PDF - 0 times

Refbacks

  • There are currently no refbacks.


Al Mustashfa Indexed by:


Reference Management Tool


 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

View My Stats