Implementasi Hadis Nabi Tentang Akad Jual Beli Dalam Transaksi Digital Via QRIS

Abstract

The development of information technology has transformed the economic transaction system in society, including through the digital payment system Quick Response Code Indonesian Standard (QRIS), which is increasingly widely used in Indonesia. This development raises questions regarding its compatibility with the principles of buying and selling found in the hadith of the Prophet Muhammad (peace be upon him). This study aims to examine the implementation of the Prophet’s hadith on sales contracts in digital transactions through QRIS and to assess its conformity with the principles of Islamic jurisprudence (fiqh al-mu‘āmalah). This research employs a qualitative approach using a library research method. The data sources include hadith collections, classical and contemporary fiqh literature, regulations related to QRIS, and relevant scholarly works. The data are analyzed descriptively and comparatively by explaining the concept of sales contracts in the hadith and comparing them with the transaction mechanisms in the QRIS system. The findings indicate that the principles of mutual consent, clarity of information, and the avoidance of uncertainty (gharar) are generally reflected in the QRIS mechanism. However, several issues remain, such as the limited application of the concept of khiyār, the difficulty of canceling transactions, and the unclear concept of tafarruq in digital transactions. These findings suggest that, in principle, QRIS does not contradict Islamic law.