Implementation of Smart Contracts in Sharia Finance: Maslahah Mursalah's Perspective
DOI:
https://doi.org/10.62568/jomn.v1i4.198Keywords:
Smart Contracts, Sharia Finance, Maslahah MursalahAbstract
The development of digital technology in today's era and brilliant contracts in blockchain technology offer new opportunities, including in the Islamic finance sector. However, using smart contracts also poses several legal challenges that need to be overcome, including the presence or absence of transparency, maysir, gharar, and riba. This new technology needs to be studied more deeply in Sharia finance because it must meet Sharia principles. This study aims to analyze the implementation of smart contracts from the perspective of maslahah mursalah, namely from the principle of benefits that are not explicitly mentioned in the Nash but are still by the sharia maqasid. In Islamic Law, this technology must fulfill the principle of justice, avoiding elements of gharar, maysir, and usury. The research method used is qualitative with a literature study approach. The data collection technique uses Secondary data collection techniques. The study results show that the application of smart contracts in Sharia contracts, such as murabahah and mudarabah, supports the goals of Sharia maqasid purposes, especially in terms of property protection, justice, and public benefit. The implementation of smart contracts has excellent potential to increase security, efficiency, and transparency in the Islamic financial sector and fulfill the principles of the agreement; namely, the object transacted in the smart contract is a halal object. However, regulation, infrastructure, and Sharia compliance challenges require essential attention. Therefore, special rules are needed to ensure that the application of this technology is in line with Sharia principles.
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Djumadi. (2024). Teknologi Blockchain dalam Perspektif Ekonomi Islam / Keuangan Islam. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(4), 4335–4351. https://doi.org/10.47467/alkharaj.v6i4.887
Elasrag, H. (2019). Blockchains for Islamic finance: Obstacles & Challenges. Munich Personal RePEc Archive, 03, 1–39. https://mpra.ub.uni-muenchen.de/92676/
Firmansyah. (2024). Tantangan Hukum dalam Pengembangan Teknologi Blockchain : Studi Kasus tentang Regulasi Kontrak Pintar dalam Transaksi Keuangan. Ateku: Jurnal Ilmu Hukum, Ilmu Sosial Dan Ekonomi, 1(2), 55–61.
Imam Kharits Najibulloh, L. R. (2024). Penerapan Teknologi Blockchain dalam Industri Keuangan Syariah : Tantangan dan Peluang. J-EBI: Jurnal Ekonomi Dan Bisnis Islam, 03(01), 61–72. https://ejournal.stais.ac.id/index.php/j-ebi/index
Muhammad Adam Wahyuna Azmi, Mohammad Muhibbin, A. (2024). Analisis Hukum Islam Terhadap Penggunaan Teknologi Blockchain dalam Transaksi Keuangan Syariah. DINAMIKA, 30(1), 9883–9894.
Rafiqi Ihsan. (2022). Peluang dan Tantangan Penggunaan Blockchain Technology pada Perbankan Syariah di Indonesia. Jurnal Ekonomi Dan Bisnis, 11(3), 1037–1049.
Resa Endrawan. (2023). Penggunaan Blockchain Smart Contract Dalam Sisi Keamanan dan Cryptocurrency. Researchgate.Net, April, 0–10. https://doi.org/10.13140/RG.2.2.30771.50724
Sandika Putra Pratama, M. T. M. (2024). Kelemahan Kontrak Pintar: Risiko Konsumen dalam Blockchain. Journal Customary Law, 1(3), 1–11. https://doi.org/10.47134/jcl.v1i3.2870
Siti Barokah, Sri Ramlah, Wilson Candra teguh Pratama, Rizky Nur Cahyani, A. P. (2023). Pengaruh Kinerja Keuangan Terhadap Nilai Perusahaan (Studi Pada Perusahaan Sektor Pertambangan Tahun 2019-2022 yang terdaftar di BUrsa Efek Indonesia). Ekonomi, Akutansi Dan Manajemen Nusantara (JEAMA), 2(1), 22–28.
Sutisna, D. (2020). Panorama Maqashid syariah (Abdurrahman Misno BP (ed.)). Media Sains Indonesia.
Umar, M. N. (2017). Al-Maslhlahah Al-Mursalah, Kajian Atas Relevansinya dengan Pembaharuan Hukum Islam.
Winda Fitri. (2023). Kajian Penerapan Smart Contract Syariah dalam Blockchain: Peluang dan Tantangan. Jatiswara, 38(2), 223–232. https://doi.org/10.29303/jtsw.v38i2.526
Zainuddin Iba, A. wardhana. (2023). Metode Penelitian. In Metode Penelitian Kualitatif. http://repository.unpas.ac.id/30547/5/BAB III.pdf.
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