Reconstruction Of Sharia Fintech Regulation From The Perspective Of Legal Certainty In Indonesia

Abstract

This study examines the normative inconsistency between contemporary fintech transaction practices, including dropshipping, Buy Now Pay Later (BNPL), and pre-order systems, and the principles of fiqh muamalah, which emphasize ownership clarity, object certainty, and assured delivery. The research aims to formulate a systematic and applicable model of contemporary fiqh muamalah as a normative framework for regulating e-wallet transactions within Islamic economic law. This study employs a library research method with a descriptive qualitative approach using academic journals, scholarly books, and relevant previous studies. Data collection was conducted through document analysis and literature review, followed by content, normative, and comparative analyses. The findings reveal the importance of reconstructing contract concepts through a multi-contract approach that accommodates digital transaction characteristics while maintaining Sharia compliance. Legal certainty in Sharia fintech is achieved through the integration of formal regulations, Sharia principles, and technological systems to support adaptive and legally compliant fintech development in Indonesia