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Responsive Law of the National Sharia Council of the Indonesian Ulema Council’s Fatwa on Permissibility of Electronic Money

El-Usrah: Jurnal Hukum Keluarga · Vol. 8 No. 1 (2025) · hlm. 1–25

DOI
10.22373/j7qh3j69
ISSN
2620-8083, 2620-8075
Terbit
2025-06-30
Penerbit
Universitas Islam Negeri Ar-Raniry Banda Aceh
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

This research examines the role of the fatwa of the National Sharia Council of the Indonesian Ulema Council regarding the permissibility of using electronic money as a law responsive to socio-economic phenomena and its impact on the economic practices of Muslim communities in Indonesia. With a descriptive-analytical qualitative approach, this research uses primary data from in-depth interviews and secondary data from official documents to understand the implementation and impact of the fatwa. The research results show that the DSN MUI fatwa provides important legal certainty for Muslims, ensuring that the use of electronic money follows Sharia principles such as the prohibition of usury, gharar, and haram transactions. In addition, this fatwa emphasizes security and transparency in transactions, increasing public trust in the digital financial system and supporting financial inclusion by enabling access to modern financial services for people previously unreachable by conventional banking. In conclusion, the DSN MUI fatwa supported the adaptation of Islamic law to the development of modern financial technology, ensuring the integration of technological innovation in the lives of Muslims without sacrificing their religious values. This research was conducted without conflict of interest, with all processes being independent and objective to ensure scientific integrity.

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  • Politeknik Negeri Ujung Pandang
  • Mulawarman University
  • Universitas Syiah Kuala
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  • Organisasi berbeda
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Rekan penulisOrganisasiArtikel bersama
Abdul Razak AbdullahAfiliasi tidak diketahui1
Abdelkarim M. BennaniAfiliasi tidak diketahui1
Husni MubarrakAfiliasi tidak diketahui1
Yenny Sri WahyuniAfiliasi tidak diketahui1
Teuku Awis AuliaAfiliasi tidak diketahui1
Husni Abdul JalilAfiliasi tidak diketahui1
Setia WahyudiAfiliasi tidak diketahui1
Marwan MarwanPoliteknik Negeri Ujung Pandang1
Syafrizal IdrisAfiliasi tidak diketahui1
Dian DarismaAfiliasi tidak diketahui1
Rifa Salma SalsabilaAfiliasi tidak diketahui1
Adetia RahmahAfiliasi tidak diketahui1
Tengku Ahmad ShafiqAfiliasi tidak diketahui1
Abdul HakimMulawarman University1
Fakri FakriAfiliasi tidak diketahui1
Firdaus MuinAfiliasi tidak diketahui1
Sitti Syakirah Abu NawasAfiliasi tidak diketahui1
Muhammad NandaUniversitas Syiah Kuala1
Nazli IsmailAfiliasi tidak diketahui1
Fajrul HaniAfiliasi tidak diketahui1
Muhammad Syukri SurbaktiAfiliasi tidak diketahui1
Fadhli SyamsuddinAfiliasi tidak diketahui1
Amir AsyqariAfiliasi tidak diketahui1
Muhammad Arfan AlhafsiAfiliasi tidak diketahui1
Tomi AfrizalAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/usrah/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Responsive Law of the National Sharia Council of the Indonesian Ulema Council’s Fatwa on Permissibility of Electronic Money</dc:title>
	<dc:creator xml:lang="en">Marwal, Muhammad Ilyas</dc:creator>
	<dc:creator xml:lang="en">Munir, Badrul</dc:creator>
	<dc:creator xml:lang="en">Marwal, M. Rafid</dc:creator>
	<dc:creator xml:lang="en">Ilyas, Muhammad Fadhlirobby</dc:creator>
	<dc:subject xml:lang="en">National Sharia Council</dc:subject>
	<dc:subject xml:lang="en">the Indonesian Ulema Council</dc:subject>
	<dc:subject xml:lang="en">electronic money</dc:subject>
	<dc:subject xml:lang="en">Sharia law</dc:subject>
	<dc:subject xml:lang="en">financial inclusion</dc:subject>
	<dc:subject xml:lang="en">legal certainty</dc:subject>
	<dc:subject xml:lang="en">Islamic Economy Law</dc:subject>
	<dc:subject xml:lang="en">Social Sciences (miscellaneous)</dc:subject>
	<dc:description xml:lang="en">This research examines the role of the fatwa of the National Sharia Council of the Indonesian Ulema Council regarding the permissibility of using electronic money as a law responsive to socio-economic phenomena and its impact on the economic practices of Muslim communities in Indonesia. With a descriptive-analytical qualitative approach, this research uses primary data from in-depth interviews and secondary data from official documents to understand the implementation and impact of the fatwa. The research results show that the DSN MUI fatwa provides important legal certainty for Muslims, ensuring that the use of electronic money follows Sharia principles such as the prohibition of usury, gharar, and haram transactions. In addition, this fatwa emphasizes security and transparency in transactions, increasing public trust in the digital financial system and supporting financial inclusion by enabling access to modern financial services for people previously unreachable by conventional banking. In conclusion, the DSN MUI fatwa supported the adaptation of Islamic law to the development of modern financial technology, ensuring the integration of technological innovation in the lives of Muslims without sacrificing their religious values. This research was conducted without conflict of interest, with all processes being independent and objective to ensure scientific integrity.</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Ar-Raniry Banda Aceh</dc:publisher>
	<dc:date>2025-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/usrah/article/view/28313</dc:identifier>
	<dc:identifier>10.22373/j7qh3j69</dc:identifier>
	<dc:source xml:lang="en">El-Usrah: Jurnal Hukum Keluarga; Vol. 8 No. 1 (2025): EL-Usrah: Jurnal Hukum Keluarga; 1-25</dc:source>
	<dc:source>2620-8083</dc:source>
	<dc:source>2620-8075</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/usrah/article/view/28313/pdf</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Muhammad Ilyas Marwal, Badrul Munir, M. Rafid Marwal, Muhammad Fadhlirobby Ilyas</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>