DALALAH HUKUM SURAT AL-BAQARAH DALAM BANK SYARIAH, FINTECH DAN MAQASHID EKONOMI DALAM REALITAS MAQASHID SYARIAH EKONOMI KONTEMPORER

Abstract

This study examines the principles of Islamic economics as reflected in selected Qur’anic verses, particularly QS. Al-Baqarah 275–279, 282, and 188, and their relevance to contemporary economic practices. The study aims to explore the Qur’anic foundations of Islamic economic principles, including the prohibition of usury (riba), transparency in financial transactions, the prohibition of acquiring wealth through unlawful means, and the realization of economic justice and public welfare. This research employs a qualitative approach using library research. Data were obtained from the Qur’an, classical and contemporary Qur’anic commentaries, hadith, books, scholarly journals, and other relevant literature. A thematic (maudhu’i) approach was applied to analyze verses concerning Islamic economics, while content analysis was used to identify, classify, and interpret their meanings and relevance to contemporary economic practices. The findings indicate that the selected verses establish fundamental principles of Islamic economics based on justice, honesty, transparency, accountability, and the protection of wealth. The prohibition of riba is closely connected with the objectives of maqashid al-shariah, particularly the protection of wealth (hifz al-mal) and the prevention of exploitation and economic injustice. These principles remain relevant to contemporary Islamic banking, Islamic fintech, zakat, and other Sharia-based economic activities. Thus, the Qur’anic principles of Islamic economics provide a normative and ethical foundation for developing an economic system oriented toward justice, welfare, and public benefit.