Fiqh Principles in Debt Recording: A Systematic and Holistic Analysis

Abstract

Abstract This research analyzes the application of fiqhiyah principles in debt practices within Muslim communities, focusing on improving compliance with sharia principles through a transparent and efficient digital recording system. The research methodology employs a content analysis approach to classical and modern literature analysis, followed by a comparative study to identify convergence points between fiqhiyah principles and digital system requirements. Integration is carried out through systematic mapping of fiqhiyah principles relevant to digital system components such as smart contracts and blockchain, taking into account sharia compliance aspects at each implementation stage. The research results show that the application of principles such as "Al-Umur bi Maqasidiha" and "Al-Yaqin La Yuzalu bi Asy-Syak" can create a fairer transaction system and reduce conflict risks, especially when combined with blockchain technology. The resulting integration framework aligns seven main fiqhiyah principles with five components of the digital recording system. The research concludes the importance of cooperation between Islamic financial institutions and regulators to develop integrated recording standards.