Sharia Compliance Of Digital Umkm: A Critical Diagnostic Study From The Perspective Of Fiqh Muamalah
Keywords:
Shariah Compliance; Digital Msmes; Fiqh Muamalah; Islamic Business Ethics; Digital Transactions
Abstract
The rapid growth of digital platforms has transformed the business models of micro, small, and medium enterprises (MSMEs), while simultaneously raising new challenges for Shariah compliance in daily transactions. This study aims to provide a critical diagnostic analysis of the gap between fiqh muamalah principles and contemporary digital MSME practices. This research employs a qualitative descriptive approach using semi-structured interviews, digital transaction observations, and documentation involving MSME actors and consumers. Shariah compliance is operationalised into four analytical dimensions: contract validity, transaction transparency, payment structure, and market behaviour ethics. The findings indicate that although MSME actors generally possess normative awareness of Islamic business values, Shariah compliance has not been systematically integrated into operational practices. Digital contracts tend to be implicit, product information transparency remains limited, and reliance on conventional digital payment instruments creates structural risks of riba. In addition, competitive pressure in digital markets encourages pragmatic marketing practices that potentially deviate from Islamic business ethics. This study contributes by offering a conceptual diagnostic framework to critically map the structural gaps between fiqh muamalah principles and contemporary digital MSME practices.References
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Az-Zuhaili. (2011). Fiqih Islam Wa Adillatuhu 4 wahbah juhaili.
Beekun, R. I. (2019). Islamic Business Ethics. Islamic Business Ethics, 20170(703), 1–80. https://doi.org/10.2307/j.ctvk8w1zv.4
Chapra, M. U. (2000). (). The Future of Economics: An Islamic Perspective. In Islamic Foundation.
Chapra, M. U. (2008). Islamic Economics: What It Is and How It Developed. Islamic Research and Training Institute.
Darmawati, D., Ridha’, M. A., Afifah, R., & Bin Jadid, B. F. A. (2023). Unlocking the Potential: Exploring Digital Social Marketing Technology in the Realm of Islamic Business Ethics. Jurnal Indo-Islamika, 13(2), 67–89. https://doi.org/10.15408/jii.v13i2.35241
El-gamal, M. (2008). Mahmoud A . El-Gamal Islamic Finance : Law , Economics and Practice Cambridge University Press , Cambridge , New York . 2006 , 221 pp . Review by : Abdul Azim Islahi Islamic Economics Research Center King Abdulaziz University , Jeddah , Saudi Arabia. 21(2), 97–108.
Hasan, Z. (2002). Conceptual Definition of Corporate Governance Defining Corporation. Islam Zeitschrift Für Geschichte Und Kultur Des Islamischen Orients, 1–19.
Hassan, M. K., & Aliyu, S. (2018). A contemporary survey of islamic banking literature. Journal of Financial Stability, 34, 12–43. https://doi.org/10.1016/j.jfs.2017.11.006
Ishak, M. N., & Siregar, M. R. (2025). Tafsir hadis tentang transaksi online dalam ekonomi syariah: Studi larangan gharar di era digital. Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah, 6(4), 1231–1242. https://doi.org/https://doi.org/10.24252/iqtishaduna.v6i4.58264
Juwita Anjelina, A. M. (2025). Etika Bisnis Syariah Di Tengah Perkembangan E-Commerce : Kajian Kualitatif Dari Literatur Islam. AL Maqashid : Journal of Economics and Islamic Business, 05(01), 1–8. https://doi.org/10.55352/maqashid
Kamali. (1995). Islamic commercial law: an analysis of options. Conference on SPTF/Islamic Banking Products,.
Nindyaningtyas, U. (2025). Islamic Business Ethics in the Use of Social Media as a Marketing Strategy for MSME Thrifting Clothing Stores in Surabaya. IQTISADIE: Journal of Islamic Banking and Shariah Economy, 05(01), 40–52.
Nurul Huda, M. E. N. (2014). Current issues lembaga keuangan syariah. Kencana.
Otoritas Jasa Keuangan (OJK). (2022). Penguatan Sektor Jasa Keuangan Untuk Mendukung Percepatan Pemulihan Ekonomi Nasional dan Petumbuhan Ekonomi Baru. Laporan Tahunan Annual Report 2022, 367. www.ojk.go.id
Purnomo, S., Nurmalitasari, N., & Nurchim, N. (2024). Digital transformation of MSMEs in Indonesia: A systematic literature review. Journal of Management and Digital Business, 4(2), 301–312. https://doi.org/10.53088/jmdb.v4i2.1121
Saifuddin, & Eva Wildani Febrianti. (2025). Gharar Dalam Transaksi Online: Analisis Akad Jual Beli Pada Marketplace Digital. Jurnal Teknologi dan Manajemen Industri Terapan, 4(2), 178–184. https://doi.org/10.55826/jtmit.v4i2.602
Sihombing, V. D. R., Sikki, N., Avrilya, R., Maulida, V. W., Suri, B. S. J., & Muhtar, M. H. Z. (2025). Ethical Commerce in the 21st Century: An Analytical Study of Islamic Business Ethics in Global and Digital Markets. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(4), 1508–1514. https://doi.org/10.31004/riggs.v4i4.2243
UKM, K. K. dan. (2023). Perkembangan Data UMKM Indonesia. Kementerian Koperasi Republik Indonesia. https://kemenkopukm.go.id/
Usman, K., & Nasution, U. (2023). Dampak Komunikasi Digital Terhadap Implementasi Prinsip Gharar Dalam Transaksi Online. Islamic Circle, 04(2), 61–86.
Usmani, M. T. (2021). An introduction to Islamic finance. Maktaba Ma’ariful Qur’an.
Zairina, H. (2024). Penerapan etika pemasaran Islam dalam penggunaan digital marketing pada UMKM di Kabupaten Belitung. Prosiding FEBI IAIN Kediri, 2(1), 123–128. https://doi.org/10.32923/ejesh.v2i1.4197
Published
2026-10-23
How to Cite
Ubaidillah, Minati Maulida, & Hanik Rosyidah. (2026). Sharia Compliance Of Digital Umkm: A Critical Diagnostic Study From The Perspective Of Fiqh Muamalah . Jurnal Ekonomi Syariah Pelita Bangsa, 11(02), 377-384. https://doi.org/10.37366/jespb.v11i02.3311
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Articles
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