Islamic Education Perspective on Understanding Riba in Fiqh al-Muamalat amid Challenges of the Modern Global Economic System
DOI:
https://doi.org/10.67899/ar.v2i1.180Keywords:
Usury, Fiqh of Muamalah, Sharia EconomicsAbstract
This study aims to analyze the concept of riba in Fiqh al-Muamalat from an Islamic education perspective and examine its relevance to the challenges of the modern global economic system. This study employs a qualitative library research method by examining the Qur’an, Hadith, classical and contemporary Fiqh al-Muamalat literature, Islamic education literature, and relevant scholarly publications. Data were analyzed using content analysis to identify the conceptual, educational, and contextual dimensions of riba. The findings demonstrate that understanding riba requires more than recognizing its legal prohibition; it requires contextual Islamic economic literacy that enables learners to identify contemporary forms of riba in banking, credit, digital financial services, and global economic transactions. Islamic education plays a strategic role in developing critical awareness, ethical reasoning, and responsible financial behavior based on justice, honesty, and avoidance of exploitation. The novelty of this study lies in developing an integrative framework that positions Islamic education as an instrument for contextualizing Fiqh al-Muamalat and strengthening learners’ critical understanding of riba within contemporary global economic practices. The study concludes that integrating riba education with contemporary economic realities can strengthen the relevance of Islamic education in preparing learners to make ethical and Sharia-compliant economic decisions.
References
Agustia, Rini Fitri, and Sulaiman Sulaiman. 2023. “The Influence of Problem Based Learning Strategy and Critical Thinking Skills on Fiqh Learning Outcomes.”An-Nuha 3(1):86–99. two: 10.24036/annuha.v3i1.278.
Amanuddin, Muhammad. 2022. “The Law of Apostasy in Islamic Fiqh and Malaysian and Indonesian Legislation.”Indonesian Impression Journal 1(4):353–61. two: 10.58344/jii.v1i4.49.
Amirullah, Amirullah, Athoillah Islamy, and Hamzah Hamzah. 2022. “Moderation of Islamic Jurisprudence in Indonesia: Analysis of the Fatwa Paradigm of the National Sharia Council.”Al-Bayyinah6(1):95–108. doi: 10.35673/al-bayyinah.v6i1.2634.
Annisa Tri Handayani, Nur, and Ahmadih Rojalih Answer. 2007. “Buy-Sell Transactions and Social Media Jurisprudence.”Contemporary Engagement Journal 2(11):5403–13. two: 10.56799/jim.v2i11.2409.
Arief, Ahmad, and Zumria Zumria. 2021. “Implementation of the Pilkada Process by the Donggala General Election Commission from a Fiqh Siyasah Perspective.”Qaumiyyah: Journal of Constitutional Law 2(1):77–104. two: 10.24239/qaumiyyah.v2i1.21.
Arijulmanan. 2022. “Sharia Management in the Employee Wage Practices of Sharia Companies.”ALAMIAH: Journal of Muamalah and Islamic Economics1(1). doi: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v1i1.45.
Artianingsih, Tuti. 2023. “The Influence of Compensation and Organizational Culture on Employee Performance at the Sahid Islamic Institute.”ALAMIAH: Journal of Muamalah and Islamic Economics4(02):26–35. doi: 10.56406/alamiahjurnalmuamalahdanekonomisyariah.v4i02.225.
Bakr, Y. M. A., Raus, N. M., Ibrahim, A. H., & Faizi, A. U. (2025). Islamic Education and Intercultural Competence: Promoting Religious Literacy in Multicultural Societies. Al Husna: Jurnal Ilmiah Pendidikan Agama Islam, 2(1), 86–105. https://doi.org/10.69900/ah.v2i1.23
Begum, S., Rashid Saleh Al Tamimi, M., Mohammed Al Dossary, M., El-Khatib, A., & Jaria Maidin, A. (2025). Integrating Maqashid al-Shari’ah into Sustainable Education: An Islamic Perspective on Global Citizenship Education. Al Husna: Jurnal Ilmiah Pendidikan Agama Islam, 2(1), 65–85. https://doi.org/10.69900/ah.v2i1.22
Dahri, Muhammad, Asaruddi Akbar, and Muhammad Arsyam. 2021.Basic Concepts of Economics and Transactions in Islamic Muamalah. Center for Open Science.
Early Rifai Wahab. 2022. "Implementation of Qawā`id Fiqhiyyah in Sharia Economy." AL-KHIYAR: Journal of Islamic Transactions and Economics2(1):102–13. doi: 10.36701/al-khiyar.v2i1.540.
Fadilah, Hafid. 2023. “Implementation of Maslahah-Based Facilities and Infrastructure Management at the Sahid Islamic Institute (INAIS).”ALAMIAH: Journal of Muamalah and Islamic Economics 4(01):63–78. two: 10.56406/jurnalalamiah.v4i01.216.
Faiz, M. A., Amin, S., Sari, E. N., & VM Fitria (2025). Enhancing Qur’anic Memorization through the Yanbu’a Method: The Role of Tahfidz Teachers at SD Takhassus Al-Qur’an Walisanga Tanjung. AL GHAZALI: Jurnal Pendidikan Dan Pemikiran Islam. https://doi.org/10.69900/ag.v5i2.475
Hady, Diens. 2025. “Integration of Islamic Morals in the National Legal System to Improve Public Morality.”Tasyri': Journal of Muamalah and Sharia Economics 7(2):41–53. two: 10.55656/tjmes.v7i2.417.
Handriansyah, Alya. 2023. “Analysis of Islamic Law of Muamalah and the Law on Halal Product Guarantee for Imported Food Not Yet Labeled Halal.”Bandung Conference Series: Sharia Economic Law 3(2). two: 10.29313/bcssel.v3i2.7570.
Hidayat, Agus Rohmat. 2020. “Islamic Economic Review of Online Buying and Selling of Mobile Legends Game Accounts: Bang Bang in the Jurisprudence of Muamalah Review.”Syntax Admiration Journal 1(1):13–22. doi: 10.46799/jsa.v1i1.2.
Hushin, H., Mahmadov, Y., Bolat, M., & Amer, M. A. B. (2025). Developing Critical Thinking Through Islamic Education: A Systematic Review of Contemporary Approaches. Al Husna: Jurnal Ilmiah Pendidikan Agama Islam, 2(1), 43–64. https://doi.org/10.69900/ah.v2i1.21
Ibrahim, Afif Maulana, and Hapzi Ali. 2024. “Determination of Purchasing Decisions: Analysis of Service Quality and Product Quality.”Journal of Humanities, Islamic Economics and Muamalah 2(3):110–17. two: 10.38035/jhesm.v2i3.256.
Imam Fauzan. 2022. “Female Registrar in the Perspective of Fiqh and Law.”INTAJ Scientific Research Journal 6(2):152–79. doi: 10.35897/intaj.v6i2.818.
Istiawan, Heru, Muammar Khadafi, and Poernomo Agung Soelistyo. 2023. “Review of Islamic Jurisprudence on Fishing Competitions with Prizes Using the Galatama System.”Journal of Fiqh in Contemporary Financial Transactions 1(1):15–28. two: 10.61111/jfcft.v1i1.435.
Khadijah, Khadijah. 2024. “Exploration of Fiqh Material in the Film of Sheikh Muhammad Arsyad Al-Banjari.”Journal on Education 7(1):3405–17. doi: 10.31004/joe.v7i1.6743.
Komarudin, Muhammad, and Muhammad Annas. 2024. “Financing of Rahn Contract Reviewed from the Jurisprudence of Muamalat.”EKOMA: Journal of Economics, Management, Accounting4(1):1962–74. doi: 10.56799/ekoma.v4i1.5733.
Kurniawan, Rizki, and Habibi Al Amin. 2023. “Syafi’iyyah Fiqh Legal Reason In Determining The Status Of Children Result Of Affairs.”Maqasid 12(2). doi: 10.30651/mqsd.v12i2.19893.
Kusmawaningsih, Susi, and Gita Aryanti. 2023. “Zakat Mal Collection Strategy at Baznas Lubuk Linggau City Reviewed from Sharia Economic Law.”Transactions9(1):45–51. doi: 10.19109/muamalah.v9i1.17987.
Maharani, Amalina. 2023. “Career Planning Analysis of Experience and Ability (Literature Review of Human Resource Management).”Journal of Humanities, Islamic Economics and Muamalah 1(1):56–67. two: 10.38035/jhesm.v1i1.5.
Masruri, Ahmad Halimi. 2020. “Livelihood in Fiqh and Indonesian Law Perspective;”SHAKHSIYAH BURHANIYAH: Journal of Islamic Law Research 5(1):29–50. doi: 10.33752/sbjphi.v5i1.1623.
Maulidiyah, Nailin Nikmatul, and Abdul Wakil. 2023. “The Law of Buying and Selling Bottled Drinking Water Reviewed from the Jurisprudence of Muamalah.”Al-Hukmi Journal 4(1):98–108. two: 10.35316/alhukmi.v4i1.3334.
Midhia, Fredy Gandi. 2022. “Buying and Selling with the All You Can Eat Concept in the Perspective of Fiqh Muamalah.”Mu'amalah: Journal of Islamic Economic Law1(2):39. doi: 10.32332/muamalah.v1i2.5000.
Mubarak, Ahmad, Khaerul Aqbar, and Fadhlan Akbar. 2023. “Sharia Mutual Fund Investment on the Bareksa Application from the Perspective of Islamic Jurisprudence.”AL-QIBLAH: Journal of Islamic Studies and Arabic Language 2(2):178–98. doi: 10.36701/qiblah.v2i2.970.
Mubarroq, Alvian Chasanal, and Luluk Latifah. 2023. “Analysis of the Concept of Muamalah Based on Contemporary Muamalah Fiqh Principles.”Tadayun: Journal of Islamic Economic Law4(1):95–108. doi: 10.24239/tadayun.v4i1.101.
Muhammad Syahrul Hidayat. 2023. “Unraveling the Potential of Sharia Economy as a Solution to the Global Financial Crisis: An In-depth Study Through Literature Study.”ALAMIAH: Journal of Muamalah and Islamic Economics 4(02):21–25. two: 10.56406/jurnalalamiah.v4i02.220.
Mukhlis, M., Knudstad, H., Sultan Mahmud, M., Yahya, N., & Masuwd, M. (2025). Islamic Educational Innovation: Exploring Modern Pedagogical Approaches in Islamic Institutions and Their Impact on Students’ Cognitive and Ethical Development. Al-Mukhlashin: Jurnal Multidisiplin Ilmu, 2(1). https://doi.org/10.69900/am.v2i1.7
Muttaqin, Zaenal, and Amir Abyan. 2008. “Islamic Religious Education in Islamic Junior High Schools.”Journal Central Publisher 1(9):976–84. doi: 10.60145/jcp.v1i9.191.
Nabriz, A., Azmi, A. F. S., Kashada, A., Ullah, R., & Chandra, A. (2025). The Future of Islamic Education in Europe: Challenges, Opportunities, and Emerging Paradigms. Al Husna: Jurnal Ilmiah Pendidikan Agama Islam, 2(1), 14–42. https://doi.org/10.69900/ah.v2i1.20
Nasir, Muhamad Nasirudin, Aldy Zahasfana Yusuf, and Ahmad Rofiqul A’la Rofiqul. 2024. “The Relationship Between Fiqh and Usul Fiqh and the Benefits of Studying Them.”Ummul Qura Journal of the Sunan Drajat Islamic Boarding School Institute (INSUD) Lamongan 19(2):86–93. two: 10.55352/uq.v19i2.985.
Nurwahidah, Siti. 2023. “Improving Fiqh Learning Outcomes Through the Make a Match Class Method.”JM2PI: Journal of Media Karya of Islamic Education Students 4(1):61–71. two: 10.33853/jm2pi.v4i1.580.
Pratiwi, Kurnia Cahya Ayu, and Muh Nashirudin. 2021. “Buying and Selling Ancient Currency in Islamic Jurisprudence.”At-Tamwil Journal: Islamic Economic Studies 3(1):1–25. doi: 10.33367/at.v2i3.1451.
Putri, Prisma Miardi, and R. .. Marlien. 2022. “The Influence of Digital Marketing on Online Purchasing Decisions.”Jesya (Journal of Economics & Sharia Economics)5(1):25–36. doi: 10.36778/jesya.v5i1.510.
Sadewo, Imron. 2021. “Review of Fiqh Muamalah on Conditional Borrowing Transactions in Bamboo Curtain Trading Practices in Jember Regency.”Law student 2(1):1–11. two: 10.35719/rch.v2i1.44.
Sholeh, Muhammad. 2023. “Bride Price in Maros: Customary Law and Fiqh Perspectives.”Qonuni: Journal of Islamic Law and Studies 3(01):49–57. doi: 10.59833/law.v3i01.1166.
SIREGAR, SITI MEANING. 2020. Implementation of Late Book Return Fines at IAIN Padangsidimpuan Library Reviewed from the Jurisprudence of Muamalah. Center for Open Science.
Solikah, Ika Nur, Ahmad Asrof Fitri, and Irvan Iswandi. 2022. “Problems of Buying and Selling Pertalite and Pertamax Retail in a Fiqh Review.”Paradigm 19(1):69–81. doi: 10.33558/paradigma.v19i1.3264.
Umi Kulsum, Siti. 2022. “Legal Analysis of Muamalah Transactions Using Dinar and Dirham in Indonesia.”Journal of Social Science 2(2):313–21. doi: 10.59188/jurnalsosains.v2i2.351.
Yilmaz, I., Al-Sarray, E., & Maidin, A. J. (2025). Digital Citizenship Education in Islamic Religious Education: Cultivating Responsible Muslim Citizens in the Digital Society. Al-Mukhlashin: Jurnal Multidisiplin Ilmu, 2(1). https://doi.org/10.69900/am.v2i1.41
Zuzanti, Zakia. 2024. “Interdisciplinary Drivers of Fiqh Muamalah: Social, Economic, and Technological Perspectives.” Sinergi International Journal of Islamic Studies 2(2):123–35. two: 10.61194/ijis.v2i2.604.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Mukhlis Mukhlis, Alam Tarlam, Uria Hasnan, Mecca Mulia, Kerem Murat Yilmaz, Deniz Alperen Arslan, Ayla Ayşe Yildiz (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
