Eliminating Gharar and Riba in Sharia E-Commerce Transactions: The Implementation of Islamic Sale and Purchase Principles in the Digital Era

Abstract

The digital transformation in the financial sector has brought significant changes to transaction patterns in society, including within Islamic boarding schools (pesantren). One such innovation is the cashless payment system, which offers efficiency, security, and convenience in transactions. This study aims to analyze the perceptions of students (santri) at Al-Ghozali Islamic Boarding School, Majalengka, regarding the use of cashless payment systems from the perspective of fiqh muamalah and digital Islamic economics. The research employs a qualitative approach using in-depth interviews, observation, and documentation techniques. The results show that most students accept digital payment systems as a form of modern convenience aligned with the principle of maslahah mursalah, as long as they do not involve elements of riba (usury) or gharar (uncertainty). The implementation of this system also contributes to more efficient, transparent, and controlled financial management within the pesantren. Moreover, this innovation supports the achievement of SDG 1 (No Poverty) through enhanced financial inclusion and SDG 8 (Decent Work and Economic Growth) by strengthening economic activities in the pesantren environment. The findings indicate that cashless payment systems can be integrated with fiqh muamalah principles and have a positive impact on the development of digital Islamic economics in pesantren settings.