TANTANGAN PRINSIP SYARIAH DALAM PENERAPAN BISNIS DIGITAL

• Naia Zahira Putri

  Universitas Muhammadiyah Surakarta

  Author

• Anggi Musdalifatul Kautsar

  Universitas Muhammadiyah Surakarta

  Author

• Neisha Yuki Kansa Amany

  Universitas Muhammadiyah Surakarta

  Author

• Rizqy Laksana Karisma Dewa

  Universitas Muhammadiyah Surakarta

  Author

• Rozan Muhammad Aufa Zhafir

  Universitas Muhammadiyah Surakarta

  Author

• Ahmad Raihan Alfarabi

  Universitas Muhammadiyah Surakarta

  Author

• Diana Setiawati

  Universitas Muhammadiyah Surakarta

  Author

The development of the digital economy has brought significant changes to transaction systems, market mechanisms, and global business practices. This transformation has created greater efficiency and accessibility in technologies such as e-commerce. This study aims to raise awareness of the importance of ethical business practices. By implementing good business ethics, business people can improve their image in the eyes of customers as companies that support ethical and sharia-compliant businesses. This study uses a normative method with a quantitative approach. The secondary data used includes journals, articles, and previous studies that discuss the application of sharia principles in modern business on consumer trust levels and how sharia principles can strengthen business sustainability in the digital economy era. This study discusses the application of sharia principles and challenges in the implementation of digital business. Digital transformation has revolutionized the business world, presenting new opportunities and challenges in the application of sharia economic principles. Digital businesses such as e-commerce, fintech, cryptocurrency, and the sharing economy require adjustments to sharia principles—including tauhid, justice, prohibition of usury, gharar, maisir, as well as transparency and honesty—in order to remain relevant in the contemporary era. The application of these principles emphasizes social responsibility, protection of the vulnerable, and clarity and fairness in digital transactions. However, the main challenges include regulatory limitations, low Islamic financial literacy, and business practices that are not yet fully Sharia-compliant, such as PayLater systems, the sale of non-halal products, and fake reviews. Studies show that the integration of technologies such as blockchain and the strengthening of regulations, education, and collaboration between regulators, industry players, and the community are essential to build a fair, inclusive, and sustainable digital business ecosystem in accordance with Sharia principles.

Perkembangan ekonomi digital telah membawa perubahan yang signifikan dalam system transaksi, mekanisme pasar, dan praktik bisnis global. Transformasi ini menciptakan efisiensi dan aksesbilitas yang lebih besar di dalam teknologi seperti e-commerce. Penelitian ini bertujuan untuk meningkatkan kesadaran akan pentingnya praktik bisnis yang beretika, penerapan etika bisnis yang baik oleh pembisnis, maka pembisnis dapat meningkatkan citra di mata pelanggan sebagai perusahaan yang mendukung bisnis yang beretika dan sesuai ketentuan syariah. Penelitian ini menggunakan metode normatif dengan pendekatan kuantitatif. Data sekunder yang digunakan meliputi; jurnal, artikel, dan penelitian sebelumnya yang membahas penerapan prinsip syariah dalam bisnis modern terhadap tingkat kepercayaan konsumen dan prinsip syariah dapat memperkuat keberlanjutan bisnis di era ekonomi digital. Penelitian ini membahas tentang penerapan prinsip-prinsip dan tantangan ekonomi syariah dalam penerapan bisnis digital. Transformasi digital telah merevolusi dunia bisnis, menghadirkan peluang baru sekaligus tantangan dalam penerapan prinsip ekonomi syariah. Bisnis digital seperti e-commerce, fintech, cryptocurrency, dan sharing economy menuntut penyesuaian prinsip-prinsip syariah—termasuk tauhid, keadilan, larangan riba, gharar, maisir, serta transparansi dan kejujuran—agar tetap relevan di era kontemporer. Penerapan prinsip-prinsip ini menekankan tanggung jawab sosial, perlindungan pihak lemah, serta kejelasan dan keadilan dalam transaksi digital. Namun, tantangan utama meliputi keterbatasan regulasi, rendahnya literasi keuangan syariah, serta praktik bisnis yang belum sepenuhnya sesuai syariah, seperti sistem PayLater, penjualan produk non-halal, dan ulasan palsu. Studi-studi menunjukkan bahwa integrasi teknologi seperti blockchain dan penguatan regulasi, edukasi, serta kolaborasi antara regulator, pelaku industri, dan masyarakat sangat diperlukan untuk membangun ekosistem bisnis digital yang adil, inklusif, dan berkelanjutan sesuai prinsip syariah.

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