Analisis Inovatif Terhadap Akad Jual Beli Syariah: Integrasi Teknologi Digital, Efisiensi Praktis, dan Prinsip ESG dalam Ekonomi Islam Kontemporer
Keywords:
Sharia Contracts; Buying and Selling; Digitalization; ESG; Efficiency; Contemporary Islamic Economics
Abstract
This article discusses innovation in the implementation of Sharia-compliant sales contracts through a multidimensional approach: digital technology integration, practical efficiency analysis, and the application of sustainability principles (Environmental, Social, and Governance/ESG) in contemporary Islamic economics. This study uses a qualitative method with a desk study approach, examining six main contracts: Murabahah, Salam, Istisna', Ijarah, Wadiah, and Qard al-Hasan. The findings indicate that digitalization offers opportunities to increase transaction efficiency and transparency, but requires attention to Sharia compliance. Furthermore, the ESG approach demonstrates the alignment of Sharia values with global sustainability principles. This research emphasizes the importance of collaboration between regulators, industry players, and academics in developing innovative Sharia-compliant contract models that are responsive to the challenges of the times.
References
Aini, B. Q. (n.d.). Analisis Prinsip-Prinsip Environmental, Social and Governance (ESG) Pada Operasional BSI Stabat Kh Zainul Arifin. Jurnal Ilmiah Ekonomi Islam. http://repository.uinsu.ac.id/25162/
Aini, B. Q. (2024). Analisis Prinsip-Prinsip Environmental, Social and Governance (ESG) Pada Operasional BSI Stabat Kh Zainul Arifin. Jurnal Ilmiah Ekonomi Islam. http://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/13309
Bahauddin, A. (2019). Aplikasi blockchain dan smart contract untuk mendukung supply chain finance UMKM berbasis crowdfunding syariah. Journal Industrial Servicess. https://jurnal.untirta.ac.id/index.php/jiss/article/view/6511
Fitri, W. (2023). Kajian Penerapan Smart Contract Syariah dalam Blockchain: Peluang dan Tantangan. Jatiswara. https://jatiswara.unram.ac.id/index.php/js/article/view/526
Gunawan, D. (2025). Penerapan Smart Contract dalam Keuangan Syariah: Tinjauan Literatur tentang Integrasi Cryptocurrency dan Blockchain. Jurnal Ilmiah Ekonomi Islam. http://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/16651
Idri, H. (2023). Prinsip-prinsip ekonomi Islam. books.google.com. https://books.google.com/books?hl=en&lr=&id=YjbZEAAAQBAJ&oi=fnd&pg=PA1&dq=etika+ekonomi+islam+dan+orientasi+pada+maslahah&ots=Ckq8BHHz1T&sig=GqKuVHam8F0BeVBPrsUVkimmYCo
Ikbal, M., & Chaliddin, C. (2022). Akad Murabahah Dalam Islam. Al-Hiwalah: Journal Syariah …. https://journal.iainlhokseumawe.ac.id/index.php/AlHiwalah/article/view/896
Jamil, I. (2021). Negara Kesejahteraan (Welfare State) Dalam Konteks Kebijakan Politik Ekonomi Islam Di Indonesia. El-Ecosy: Jurnal Ekonomi Dan Keuangan Islam. https://jurnal.unsur.ac.id/elecosy/article/view/1826
Mukhtisar, M., Tarigan, I. R. R., & ... (2021). Pengaruh Efisiensi, Keamanan Dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri …. … : Global Journal of Islamic …. https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/9632
Nafisa, Z. K., Aqwam, M. F. R., & ... (2025). RELEVANSI KONSEP EKONOMI ISLAM DALAM ERA DIGITAL. Musytari …. https://ejournal.cahayailmubangsa.institute/index.php/musytari/article/view/559
Nasution, S. F. (2021). Pembiayaan murabahah pada perbankan syariah di indonesia. In AT-TAWASSUTH: Jurnal Ekonomi Islam. jurnal.uinsu.ac.id. https://jurnal.uinsu.ac.id/index.php/tawassuth/article/download/7767/4477
Pandita, R. S. A. (n.d.). Pengaruh Environmenal, Social, Governance (ESG) Disclosure dan Kualitas Audit terhadap Nilai Perusahaan. Repository.Uinjkt.Ac.Id. https://repository.uinjkt.ac.id/dspace/handle/123456789/79887
Purwanto, H. (2024). Integrasi Prinsip ESG (Environmental, Social, Governance) Dalam Perbankan Syariah. Studia Economica: Jurnal Ekonomi Islam. https://jurnal.uinsu.ac.id/index.php/studiaeconomica/article/view/21738
Rogers, E. M. (2003). Diffusion of innovations (5th Ed.). New York: Free Press
Rusydiana, A., & Hasib, F. F. (2020). Super efisiensi dan analisis sensitivitas DEA: aplikasi pada Bank Umum Syariah Di Indonesia. … Ekonomi Dan Keuangan Syariah. http://ejournal.unisba.ac.id/index.php/amwaluna/article/view/5251/0
Sufia, I., Budianto, E. W. H., & Dewi, N. D. T. (2023). Akad salam pada inklusi keuangan syariah: Studi pustaka(library research). In October. https://doi. org …. researchgate.net. https://www.researchgate.net/profile/Eka-Wahyu-Hestya-Budianto/publication/374976366_Akad_salam_pada_inklusi_keuangan_syariah_Studi_pustaka_library_research/links/6539e1dc5d51a8012b6f82af/Akad-salam-pada-inklusi-keuangan-syariah-Studi-pustaka-library-rese
Thahir, A. H. (2015). IJTIHAD MAQÂSIDI; Rekonstruksi Hukum Islam Berbasis Interkoneksitas Maslahah. books.google.com. https://books.google.com/books?hl=en&lr=&id=F89iDwAAQBAJ&oi=fnd&pg=PR1&dq=konsep+maslahah+dalam+islam&ots=EU_MW2WPde&sig=31MuF59G9uSEs-ma2hXY46ygYOA
Aini, B. Q. (2024). Analisis Prinsip-Prinsip Environmental, Social and Governance (ESG) Pada Operasional BSI Stabat Kh Zainul Arifin. Jurnal Ilmiah Ekonomi Islam. http://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/13309
Bahauddin, A. (2019). Aplikasi blockchain dan smart contract untuk mendukung supply chain finance UMKM berbasis crowdfunding syariah. Journal Industrial Servicess. https://jurnal.untirta.ac.id/index.php/jiss/article/view/6511
Fitri, W. (2023). Kajian Penerapan Smart Contract Syariah dalam Blockchain: Peluang dan Tantangan. Jatiswara. https://jatiswara.unram.ac.id/index.php/js/article/view/526
Gunawan, D. (2025). Penerapan Smart Contract dalam Keuangan Syariah: Tinjauan Literatur tentang Integrasi Cryptocurrency dan Blockchain. Jurnal Ilmiah Ekonomi Islam. http://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/16651
Idri, H. (2023). Prinsip-prinsip ekonomi Islam. books.google.com. https://books.google.com/books?hl=en&lr=&id=YjbZEAAAQBAJ&oi=fnd&pg=PA1&dq=etika+ekonomi+islam+dan+orientasi+pada+maslahah&ots=Ckq8BHHz1T&sig=GqKuVHam8F0BeVBPrsUVkimmYCo
Ikbal, M., & Chaliddin, C. (2022). Akad Murabahah Dalam Islam. Al-Hiwalah: Journal Syariah …. https://journal.iainlhokseumawe.ac.id/index.php/AlHiwalah/article/view/896
Jamil, I. (2021). Negara Kesejahteraan (Welfare State) Dalam Konteks Kebijakan Politik Ekonomi Islam Di Indonesia. El-Ecosy: Jurnal Ekonomi Dan Keuangan Islam. https://jurnal.unsur.ac.id/elecosy/article/view/1826
Mukhtisar, M., Tarigan, I. R. R., & ... (2021). Pengaruh Efisiensi, Keamanan Dan Kemudahan Terhadap Minat Nasabah Bertransaksi Menggunakan Mobile Banking (Studi Pada Nasabah Bank Syariah Mandiri …. … : Global Journal of Islamic …. https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/9632
Nafisa, Z. K., Aqwam, M. F. R., & ... (2025). RELEVANSI KONSEP EKONOMI ISLAM DALAM ERA DIGITAL. Musytari …. https://ejournal.cahayailmubangsa.institute/index.php/musytari/article/view/559
Nasution, S. F. (2021). Pembiayaan murabahah pada perbankan syariah di indonesia. In AT-TAWASSUTH: Jurnal Ekonomi Islam. jurnal.uinsu.ac.id. https://jurnal.uinsu.ac.id/index.php/tawassuth/article/download/7767/4477
Pandita, R. S. A. (n.d.). Pengaruh Environmenal, Social, Governance (ESG) Disclosure dan Kualitas Audit terhadap Nilai Perusahaan. Repository.Uinjkt.Ac.Id. https://repository.uinjkt.ac.id/dspace/handle/123456789/79887
Purwanto, H. (2024). Integrasi Prinsip ESG (Environmental, Social, Governance) Dalam Perbankan Syariah. Studia Economica: Jurnal Ekonomi Islam. https://jurnal.uinsu.ac.id/index.php/studiaeconomica/article/view/21738
Rogers, E. M. (2003). Diffusion of innovations (5th Ed.). New York: Free Press
Rusydiana, A., & Hasib, F. F. (2020). Super efisiensi dan analisis sensitivitas DEA: aplikasi pada Bank Umum Syariah Di Indonesia. … Ekonomi Dan Keuangan Syariah. http://ejournal.unisba.ac.id/index.php/amwaluna/article/view/5251/0
Sufia, I., Budianto, E. W. H., & Dewi, N. D. T. (2023). Akad salam pada inklusi keuangan syariah: Studi pustaka(library research). In October. https://doi. org …. researchgate.net. https://www.researchgate.net/profile/Eka-Wahyu-Hestya-Budianto/publication/374976366_Akad_salam_pada_inklusi_keuangan_syariah_Studi_pustaka_library_research/links/6539e1dc5d51a8012b6f82af/Akad-salam-pada-inklusi-keuangan-syariah-Studi-pustaka-library-rese
Thahir, A. H. (2015). IJTIHAD MAQÂSIDI; Rekonstruksi Hukum Islam Berbasis Interkoneksitas Maslahah. books.google.com. https://books.google.com/books?hl=en&lr=&id=F89iDwAAQBAJ&oi=fnd&pg=PR1&dq=konsep+maslahah+dalam+islam&ots=EU_MW2WPde&sig=31MuF59G9uSEs-ma2hXY46ygYOA
Published
2025-10-28
How to Cite
Arlinta Prasetian Dewi, & Suselo, D. (2025). Analisis Inovatif Terhadap Akad Jual Beli Syariah: Integrasi Teknologi Digital, Efisiensi Praktis, dan Prinsip ESG dalam Ekonomi Islam Kontemporer. Jurnal Ekonomi Syariah Pelita Bangsa, 10(02), 438-449. https://doi.org/10.37366/jespb.v10i02.2878
Section
Articles
