Konstruksi Akad Hybrid (Multi-Akad) dalam Produk Keuangan Digital: Tinjauan Hukum Ekonomi Syariah
DOI:
https://doi.org/10.62007/joumi.v4i1.927Keywords:
Akad Hybrid, Produk Keuangan Digital, SyariahAbstract
The development of digital technology has brought significant changes to the financial industry, including the Islamic financial sector. The purpose of this article is to examine the construction of hybrid (multi-contract) contracts in digital financial products: a review of Islamic economic law. This research uses a normative legal research method (normative juridical). The results of this research demonstrate three main efforts to implement hybrid contracts in Islamic digital financial products in accordance with Islamic Economic Law: first, developing specific guidelines for hybrid contract construction to provide legal certainty and ensure Sharia compliance; second, increasing public education and literacy regarding the concept, mechanisms, and application of hybrid contracts so that the public can understand and choose appropriate Islamic digital financial products; and third, strengthening Sharia compliance oversight by optimizing the roles of the Sharia Supervisory Board (DPS), the Indonesian Ulema Council (DSN-MUI), and the Financial Services Authority (OJK) to ensure that every digital financial product is free from riba (usury), gharar (gharar), and maysir (risk of gambling) and remains compliant with the principles of Islamic economic law.
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