Transformation of Sharia Economic Law and Economic Transactions of the Middle-Class Muslim Community in Indonesia

Muzalifah; Waldi  Nopriansyah

doi:10.21154/muslimheritage.v10i2.11770

Authors

Muzalifah Universitas Islam Negeri Palangka Raya, Indonesia
Waldi Nopriansyah STEBIS Indo Global Mandiri, Palembang, Indonesia

DOI:

https://doi.org/10.21154/muslimheritage.v10i2.11770

Keywords:

Middle Class; Traditional Market; Digital Transactions

Abstract

The transformation of economic behavior among Indonesia’s urban middle-class Muslims has been significantly influenced by digitalization and the rapid growth of Islamic fintech. This study explores how Sharia economic law adapts to these transformations, particularly in the context of daily market transactions. Using a qualitative approach, data were collected through observations and interviews in selected traditional markets such as Beringharjo (Yogyakarta), Antasari (Banjarmasin), and Ngronggo (Kediri) representing diverse urban settings. The findings reveal that digital payment adoption and hybrid trading systems (combining oral bargaining and digital settlement) have reshaped the understanding and application of Sharia principles. Traders and consumers demonstrate pragmatic flexibility by seeking local religious guidance (fatwas) to ensure compliance while embracing efficiency. This study contributes new insights by linking the transformation of Sharia economic law with real practices of middle-class Muslims in digital-era marketplaces, highlighting the dynamic interplay between legal norms, technology, and socio-economic class.

Abstrak

Transformasi perilaku ekonomi di kalangan masyarakat Muslim kelas menengah perkotaan di Indonesia telah banyak dipengaruhi oleh proses digitalisasi dan pertumbuhan pesat fintech syariah. Penelitian ini mengkaji bagaimana hukum ekonomi syariah beradaptasi terhadap perubahan tersebut, khususnya dalam konteks transaksi ekonomi sehari-hari di pasar tradisional. Dengan menggunakan pendekatan kualitatif, data diperoleh melalui observasi dan wawancara di beberapa pasar tradisional terpilih seperti Pasar Beringharjo (Yogyakarta), Pasar Antasari (Banjarmasin), dan Pasar Ngronggo (Kediri) yang merepresentasikan berbagai konteks perkotaan. Temuan penelitian menunjukkan bahwa adopsi pembayaran digital dan munculnya sistem perdagangan hibrida (menggabungkan tawar-menawar lisan dengan penyelesaian digital) telah mengubah pemahaman dan penerapan prinsip-prinsip syariah. Para pedagang dan konsumen menunjukkan fleksibilitas yang pragmatis dengan mencari panduan keagamaan lokal (fatwa) agar tetap sesuai dengan prinsip syariah sambil memanfaatkan efisiensi teknologi digital. Penelitian ini memberikan kontribusi baru dengan mengaitkan transformasi hukum ekonomi syariah dengan praktik nyata masyarakat Muslim kelas menengah di pasar era digital, serta menyoroti dinamika antara norma hukum, teknologi, dan kelas sosial-ekonomi.

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