.jpg)
.jpg)
Applying Ushul Fiqh Principles to Enhance Sharia Compliance in Digital Gold Trading in Indonesia
Abstract
Purpose –This study addresses the research gap in the extant literature on ushul fiqh applications within sharia-compliant financial products by delineating a contextual framework for digital gold trading, integrating classical principles of Islamic jurisprudence with contemporary empirical evidence from consumer complaint datasets, thereby appraising the efficacy of kaidah ushul fiqh in resolving sharia compliance imperatives and attenuating gharar risks in Indonesia's digital gold ecosystem, while proffering actionable guidelines to augment transparency, stakeholder confidence, and long-term viability in Islamic financial markets.
Methodology - This study employs a qualitative approach using a literature review method. The data utilized are secondary data, including journal articles, books, fatwa DSN-MUI, OJK reports, Bappebti data, and other relevant documents published between 2015 and 2025.
Findings - The results of this study demonstrate that kaidah ushul fiqh, such as sadd al-dzari’ah, qiyas, and rahn, can serve as a robust framework to ensure sharia compliance in digital gold trading. These insights can offer recommendations for DSN-MUI and OJK to develop sharia-compliant standards for digital gold trading transactions while also fostering consumer confidence.
Implication - The study implies that integrating ushul fiqh principle into the regulatory and operational design of digital gold trading can strengthen sharia compliance, reduce transactional gharar, and enhance consumer trust in Indonesia’s Islamic financial ecosystem.
Keywords
Full Text:
PDFReferences
Ahmad, A., & Santoso, B. (2022). Penerapan akad murabahah dalam fintech syariah: Studi kasus di Indonesia. Jurnal Ekonomi Syariah Indonesia, 8(1), 45–60.
Ali, S., Naveed, M., Hanif, H., & Gubareva, M. (2024). The resilience of Shariah-compliant investments: Probing the static and dynamic connectedness between gold-backed cryptocurrencies and GCC equity markets. International Review of Financial Analysis, 91, 103045. https://doi.org/10.1016/j.irfa.2023.103045
Aprianto, R., & Nazilah, S. (2023). Integrasi rahn dan tawarruq dalam transaksi syariah: Studi komparatif Malaysia dan Indonesia. Jurnal Hukum Islam, 15(3), 112–130.
Arifin, M., & Wibowo, S. (2023). Dampak teknologi terhadap keuangan syariah: Analisis operasional platform digital. Jurnal Manajemen Keuangan Syariah, 9(2), 77–92.
Asri, M. S. M., & Nordin, N. (2024). Shariah and Legal Considerations in Digital Gold Investment: A Case Study of Quantum Metal. International Journal Of Academic Research In Business And Social Sciences, 14(12), 3242–3249.
Bappeti. (2025). Laporan Transaksi Komoditas Emas Digital Januari 2025.
Bareksa. (2024). Laporan Kepatuhan Syariah Platform Tokopedia Emas.
DSN-MUI. (2002). Fatwa DSN-MUI No. 25/DSN-MUI/III/2002 tentang Rahn.
DSN-MUI. (2010). Fatwa DSN-MUI No. 77/DSN-MUI/V/2010 tentang Jual Beli Emas Non-Tunai.
Ezahar, R. J. B., Shuib, M. S., & Abdul Rahim, A. K. (2020). E Commerce Transaction in Hello Gold Investment: Islamic Investment Review. Asian Business Review, 10(1). https://doi.org/10.18034/abr.v10i1.464
Fatimah, S., & Rahim, A. (2023). Inklusi keuangan melalui tabungan syariah digital: Fokus pada akses UKM. Jurnal Ekonomi Dan Bisnis Islam, 10(1), 34–49.
Hakimi, R., & Luthfi, M. (2022). Evaluasi fatwa DSN-MUI tentang investasi syariah: Perspektif hukum Islam. Jurnal Syariah Dan Hukum, 14(2), 88–103.
Harefa, S. (2025). The fundamental principles of Islamic law in the digital era: An ushul fiqh and maqashid Sharia approach. Journal of Islamic Law on Digital Economy and Business, 1(1), 84–99. https://doi.org/10.20885/JILDEB.vol1.iss1.art6
Hasmad, A., & Alosman, M. (2022). Sadd al-dzari’ah dalam transaksi syariah: Kajian historis dan aplikasinya. Jurnal Fiqh, 19(1), 25–40.
Hidayat, R. (2025). Sharia review of online sale and purchase of gold on Antam website. ITQAN: Journal of Islamic Economics, Management, and Finance, 4(1), 76–85. https://doi.org/10.57053/itqan.v4i1.69
Hidayatullah, R. (2023). Formulasi qiyas dalam epistemologi hukum Islam untuk produk halal. Jurnal Hukum Islam, 16(2), 67–82.
Kurnia, R., & Setiawan, T. (2023). Akad rahn dalam pembiayaan syariah: Studi pada emas fisik. Jurnal Keuangan Islam, 9(1), 50–65.
Kurniawan, A. (2021). Landasan hukum rahn dalam transaksi syariah: Perspektif Al-Qur’an dan hadis. Jurnal Syariah, 13(2), 45–60.
Lestari, S., & Nugroho, A. (2022). Analisis volatilitas pasar emas digital di Indonesia. Jurnal Ekonomi Dan Bisnis, 7(3), 89–104.
Maharani, D., & Fauzi, R. (2023). Perilaku konsumen terhadap emas digital di platform e-commerce. Jurnal Pemasaran Syariah, 6(2), 33–48.
Muhammad, M. (2023). Islamic Fintech: Accelerating the financial inclusion agenda in Malaysia. Nomura Journal of Asian Capital Markets, 8(1), 11–17.
Nisa, A., & Juliana, R. (2025). Cicilan emas digital di Pegadaian Syariah: Kepatuhan terhadap akad rahn. Jurnal Keuangan Syariah, 7(1), 22–37.
Noh, M. S. M. (2023). Riba dan Gharar dalam Aplikasi Kewangan Digital: Satu Sorotan. Journal of Ifta and Islamic Heritage. https://ejournal.muftiwp.gov.my/index.php/jiftah/article/view/49
OJK. (2025). Laporan Keuangan Syariah Nasional Juni 2025.
Pratama, R., Susanto, H., & Wijaya, A. (2023). Maqashid syariah dalam pengembangan kewirausahaan berkelanjutan. Jurnal Ekonomi Syariah, 10(2), 55–70.
Putro, N., & Nurwahidin, H. (2024). Contextualization of Ushul Fiqh in Muamalah and Modern Banking: Sharia Solutions in the Global Economic System. International Journal of Islamic Studies (IJIS). https://doi.org/10.55927/ijis.v3i11.12424
Rahman, F. (2021). Qiyas dan istishab dalam transaksi digital: Pendekatan ushul fiqh. Jurnal Fiqh Kontemporer, 8(1), 30–45.
Rahmawati, S. (2024). Investasi emas digital di BSI Mobile: Analisis kepatuhan syariah. Jurnal Keuangan Islam, 10(1), 66–81.
Ramadhan, A., & Sari, R. (2024). Kepatuhan syariah pada platform fintech: Studi kasus di Indonesia. Jurnal Ekonomi Syariah, 11(2), 45–60.
Risman, A., Markonah, M., Mubarok, J., & Saputra, B. L. E. (2024). The Islamic Perspective of Gold-Based Investment: The Case of Indonesia. Tazkia Islamic Finance and Business Review, 18(1), 1–17. https://doi.org/10.30993/tifbr.v18i1.363
Rizaldy, M. R., & Ahmed, H. (2024). Islamic legal methodologies and Shariah screening standards: Application in the Indonesian stock market. Thunderbird International Business Review. https://doi.org/10.1002/tie.22345
Rofi, A. (2021). Syarat jaminan dalam akad rahn: Perspektif syariah. Jurnal Hukum Islam, 13(1), 22–37.
Rohmah, A. M. (2022). The sale and purchase of non-cash gold at Tokopedia from an Islamic perspective. Jurnal of Law and Sharia: Indonesian Contemporary, 10(1), 15–32. https://doi.org/10.20961/jolsic.v10i1.58893
Sa’diyah, N. (2019). Konsep rahn dalam fiqh muamalah. Jurnal Syariah, 11(2), 33–48.
Sari, R., Susanti, A., & Lestari, D. (2024). Peran fintech syariah dalam inklusi keuangan untuk UKM. Jurnal Ekonomi Dan Bisnis Islam, 11(1), 50–65.
Sauqi, M. (2020). Rukun dan syarat akad rahn dalam transaksi syariah. Jurnal Fiqh, 17(1), 40–55.
Setyawan, F. N. (2023). Analysis of the basics of fatwa gold credit DSN-MUI perspective of Qaidah Ushul Fiqh. Demak Universal Journal of Islam and Sharia, 1(3), 166–178. https://doi.org/10.61455/deujis.v1i03.47
Shahrim, S., Muhammad, M. Z., Zulfaris, M. S., & Halim, N. F. (2025). Shariah Compliant Digital Gold Saving: A Bibliometric Analysis. The Journal of Muamalat and Islamic Finance Research, 22(1). https://doi.org/10.33102/jmifr.645
Syahrul, A., & Mulyono, R. (2023). Maqashid syariah dalam investasi syariah: Fokus pada produk konvensional. Jurnal Ekonomi Syariah, 10(1), 33–48.
Tahir, S. N. M., Sawari, M. F. M., Zakaria, M. S., & Ozdemir, S. Z. (2025). Digital assets from Islamic perspective (2019-2024): A systematic literature review. The Journal of Muamalat and Islamic Finance Research, 22(1), 85–101. https://doi.org/10.33102/jmifr.635
Ulfa, F., & Solihu, A. K. (2025). Role of Qawāʾid Fiqhiyyah in Promoting Green Investment within Islamic Economics: Theoretical and Practical Frameworks. Journal of Islamic Thought and Civilization (JITC), 15(1), 202–223. https://doi.org/10.32350/jitc.151.12
Utami, R., & Hidayat, S. (2022). Regulasi OJK untuk fintech syariah: Analisis kepatuhan. Jurnal Manajemen Keuangan Syariah, 8(2), 66–81.
Fageh, A., & Iman, N. (2021). Cryptocurrency as investment in commodity futures trading in Indonesia based on Maqāṣid al-Sharī’ah approach. Jurnal Hukum Islam, 24(2), 245–262. https://doi.org/10.18326/jhi.v24i2.245-262
Widodo, A., Santoso, B., & Raharjo, T. (2025). Adaptasi syariah dalam pengelolaan aset fintech: Fokus pada regulasi OJK. Jurnal Keuangan Syariah, 7(2), 55–70.
Yusuf, M., & Muchran, A. (2018). Integrasi ushul fiqh dan maqashid syariah dalam fatwa keuangan syariah. Jurnal Syariah, 10(1), 44–59.
Zainuddin, R., & Pratama, A. (2024). Sertifikasi syariah untuk produk digital: Tantangan dan peluang. Jurnal Hukum Islam, 16(1), 55–70.
DOI: https://doi.org/10.17509/rief.v8i2.90661
Refbacks
- There are currently no refbacks.
Copyright (c) 2025 Deni Permana, Mustofa Mustofa, Dudang Gojali
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This journal provides immediate open access to its content on the principle that makes research freely available to the public and supports a greater global exchange of knowledge.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 Internasional (CC BY-SA 4.0).