DSN-MUI Fatwa Research Articles

Eksekusi Jaminan Pada Pembiayaan Mudharabah Karena Force Majeur Ditinjau Dari Fatwa Dewan Syariah Nasional NO :07 DSN-MUI/IV/2000

BSI Kcp. Gunungtua carries out its business activities based on sharia principles. One of its business activities is mudharabah financing. In the implementation and resolution of mudharabah financing, there are still problems, practice in the field is still far from what is stated by the DSN-MUI fatwa. BSI Kcp. Gunung Tua has not really implemented the DSN-MUI Fatwa in its entirety, so that business actors receive capital financing from BSI Kcp. Gunung Tua is still obliged to return the capital in full, even if the capital manager (mudharib) experiences an accident or event beyond the management's fault (Overmacht). This research aims to determine (1) The concept of customer responsibility in mudharabah financing caused by Force Majeure based on the Fatwa of the National Sharia Council No: 07 DSN-MUI/IV/2000, (2) Implementation of collateral execution in mudharabah financing due to Force Majeure at BSI Kcp.Gunung Tua and (3) Is execution of collateral in mudharabah financing permitted due to force majeure based on National Sharia Council Fatwa No: 07 DSN-MUI /IV/2000. Mudharabah financing is permitted as long as it does not conflict with sharia principles. If a sharia financial institution uses a Mudharabah contract, the sharia financial institution must follow the provisions of the DSN Fatwa. The DSN Fatwa regarding mudharabah financing is DSNMUI Fatwa No.07/DSN-MUI/IV/2000. The research method used is a descriptive method, namely describing the implementation of collateral execution. in mudharabah financing, the primary data source is the manager of BSI Kcp.Gunung Tua, the research technique used is interviews. The results of this research can be concluded that (1) The concept of customer responsibility for mudharabah financing implemented at BSI Kcp. Gunung Tua is that customers must fulfill their obligations to make payments unless it is caused by an unintentional error (Force Majeure), (2) Execution of guarantees in mudharabah financing due to Force Majeure at BSI Kcp. Gunung Tua and (3) Is the execution of guarantees in mudharabah financing permitted due to force majeure based on National Sharia Council Fatwa No: 07 DSN-MUI /IV/2000.

SYARIAH FINTECH DALAM PERSPEKTIF MASLAHAH MURSALAH

The increasingly developing Islamic fintech in this technological era needs to be complemented by knowledge. Therefore, this research aims to understand Islamic fintech from the perspective of Islamic law using a descriptive qualitative method. The research methodology employed in this study is a literature review gathered from various sources. The results obtained indicate that Islamic fintech has become a contemporary fiqh discourse that has not been definitively addressed in the Quran and the Hadith of the Prophet Muhammad (peace be upon him). Hence, it relies on ijma (consensus of scholars) as its legal source. The Indonesian Ulema Council issued Fatwa DSN-MUI No.117/DSN-MUI/II/2018 regarding Information Technology-Based Financing Services with Sharia Principles. This fatwa is in accordance with Islamic Sharia and has clear legal protections outlined in legislation and regulations.

Implementation of the DSN-MUI Fatwa on Product Testimonials from Istihsan Perspective

Today, product advertising remains a marketing strategy for both large and small businesses. In addition, testimonials or statements of satisfaction from consumers are supporting factors for new consumers to trigger purchases to be made by consumers. Fictitious testimonials are an easy step new business people use to get consumers quickly. This study aims to determine how the DSN-MUI fatwa is viewed as a legal basis and how istihsan views the problem. The research method used is library research. Primary data uses DSN-MUI fatwa, and secondary data comes from books, journal articles indexed Sinta 5 to Sinta 2, and other supporting secondary data. The results of this study show that fictitious testimonials for new sellers whose purpose is to increase customer commitment to their business and provide benefits to sellers, according to the concept of istihsan, are allowed.

Analysis of Take-Over Implementation in Risk Mitigation in Murabahah Griya Financing Products at Bank Syariah Indonesia KCP Mojosari

Due to the high-interest rates charged by conventional banks, many of their customers are looking to switch to Islamic financial institutions such as Bank Syariah Indonesia (BSI), where they can take advantage of debt takeovers or takeover of Murabahah Griya financing products. This research aims to analyze the Take Over of Bank Syariah Indonesia KCP Mojosari in Mitigating the Risk of Griya Murabahah Financing Products. This research uses a qualitative descriptive approach, with data collected from descriptions provided by researchers about phenomena in the field. Researchers conducted interviews and screened records to obtain information for this study. Based on the findings of this research, it can be concluded that the takeover of murabahah griya financing by Bank Syariah Indonesia is legal according to the provisions of DSN-MUI fatwa No.31/DSN-MUI/VI/2002. Bank Syariah Indonesia collects all documentation related to the takeover of financing, checks customer track records, and carries out financing restructuring in an effort to reduce risks related to the takeover of murabahah griya financing.

Hukum Jual Beli Limbah Tambang Emas Perspektif Fatwa DSN MUI No. 110/DSN-MUI/IX/2017 Tentang Jual Beli (Studi Kasus di Desa Hutalombang Lubis Kecamatan Panyabungan Kabupaten Mandailing Natal)

The background of this research is that there is a gap in the implementation of the practice of buying and selling gold mining waste in Hutalombang Lubis Village, Panyabungan District, Mandailing Natal Regency. Whereas buying and selling is carried out by selling gold waste (dregs) in sacks which are not necessarily the result that is obtained without knowing the risks involved in the sale and purchase. This is not in accordance with Islamic Shari'at and does not meet the requirements for a sale and purchase object according to the perspective of DSN MUI Fatwa No. 110/DSN-MUI/IX/2017 concerning Sales and Purchase Contracts. If the Buyer gets the remaining Gold from processed Gold then the buyer will get a profit. However, on the other hand, if the buyer does not get the remaining gold from the land used for processing gold, then the buyer will definitely incur a loss. So the object being contracted contains an element of obscurity and is not in accordance with what is received by the buyer which results in a loss to one of the parties. The research method used is empirical juridical method, namely field research, using a qualitative approach and qualitative descriptive data analysis.

Islamic Securities Crowdfunding Based on Indonesia's Islamic and Positive Law Perspective

This paper analyzes Islamic Securities Crowdfunding (SCF) based on Indonesia's Islamic and positive law perspectives. This paper is a descriptive qualitative by using a normative juridical approach that observes the governing or binding law in society with the convergence on Islamic law and regulations of the Indonesian Financial Services Authority (OJK). The findings reveal that the practice of Islamic SCF is allowed by referring to the Qur'an, Hadith, legal maxim, maqasid al-shariah, and syirkah musahamah contract in DSN-MUI Fatwa No.140/DSN-MUI/VIII/2021 issued on August 24, 2021. Furthermore, from the positive law's perspective, Islamic SCF is allowed to operate by referring to POJK No.57/POJK.04/2020, which accommodates to four principal regulations, namely, organizers, crowdfunding services, issuers, and financiers

Qardh Agreement on Spaylater Limit Loans According to The View of MUI Fatwa About Sharia Electronic Money

SPayLater is a shopping loan provided by Shopee. SPayLater loans can be used by users to buy their needs in installments without a credit card. This SPayLater Limit Loan uses the Qardh contract. A Qardh contract is a loan given by one person to another with the condition that the borrower must return the value of what was borrowed. The issue of this legal research is: what is the mechanism for the SPayLater limit loan at Shopee and what is the Qardh contract for the SPayLater limit loan according to the view of DSN-MUI Fatwa No: 116/DSN-MUI /IX/2017 concerning Sharia Electronic Money. The research method used is an empirical research method with a qualitative approach. Data collection techniques that researchers use are structured interviews, participatory observation and document study. This research obtained results in the form of. 1). The SPayLater feature does not appear in every Shopee user account, only selected Shopee user accounts can register SPayLater. The SPayLater limit loan cannot be disbursed and can only be used for transactions on the Shopee application. 2). The provision of SPayLater limit loans provided by Shopee to its users has fulfilled the principles of the Qardh contract, because the pillars and conditions in the Qardh contract have been fulfilled. Furthermore, according to the view of the DSN-MUI Fatwa regarding Islamic Electronic Money, the Qardh contract provisions are not related. Because the conditions aqidnya not met.

Analysis of Fatwas by the National Sharia Board-Indonesian Council of Ulama on the Stock Market

This research aims to analyze the fatwas issued by the National Sharia Board-Indonesian Council of Ulama (Dewan Syariah Nasional Majelis Ulama Indonesia, abbreviated DSN-MUI in Bahasa Indonesia) concerning activities in the stock market. This study focused on the characteristics and general development of these fatwas. This study adopts a normative approach to examine whether the DSN-MUI fatwas related to the stock market. The data utilized in this study are of a secondary nature, encompassing fatwa information issued by the DSN-MUI. These data were further analyzed using a descriptive-qualitative approach and content analysis, particularly pertaining to fatwas. The results of this research indicate that the fatwas issued by the DSN-MUI serves varying purposes across different periods. These fatwas sometimes emerge as responses to questions about business matters or as reactions to recent developments in stock market products. Another finding of this study is that the fatwas issued by the DSN-MUI followed a specific pattern in its structure, starting with verses from the Quran and Hadith of the Prophet, followed by Fiqh principles, opinions of classical and contemporary scholars, and concluding with the National Sharia Board's stance on the specific topic. The development of these fatwas reflects the gradual (tadarruj) principle within Islamic jurisprudence regarding legal action.

Penggunaan Harta Bersama Sebagai Marhun Dalam Pembiayaan di PT.PNM ULAMM Syariah Cabang Gunung tua Perspektif Fatwa Nomor 92/DSN-MUI/IV/2014

Marhun, used as collateral in financing transactions, is an asset that must be fully owned by the lender (rahin) in accordance with Sharia principles. However, in reality, there is a practice at PT. PNM ULAMM Sharia Branch Gunung Tua where financing transactions using the rahn system involve marhun that constitutes shared ownership. This research aims to identify the factors driving lenders to utilize jointly owned assets as marhun, the resulting legal consequences of this practice, and to analyze the practice based on the Fatwa DSN MUI No. 92/DSN-MUI/IV/2014. The methodology employed in this research is an empirical juridical approach utilizing both conceptual approaches and real-life case studies (living case studies). This research is descriptive-analytical in nature and involves data collection through interviews and document analysis. The research findings indicate that the utilization of jointly owned assets as marhun in rahn financing arises from the inadequate understanding of customers regarding the Sharia principles governing rahn financing.

Perspektif Hukum Islam Terhadap Biaya Administrasi Transfer Dana melalui BSI Mobile

The emergence of Islamic banks in Indonesia at the end of the 19th century until they developed more than 20 years to date has made us understand the importance of the existence of an Islamic economy in Indonesia. This research uses library research or library research, namely research conducted by collecting data or scientific writing that is intended to be the object of research, library data collection, or studies conducted to solve a problem. problems which are mostly based on a critical and thorough analysis of relevant literature. Based on muamalah fiqh analysis, interbank fund transfer transactions through the BSI Mobile application are permitted because the transactions carried out avoid usury, maisir, gharar, tadlis transactions and there are benefits to ease fund transfer transactions between different banks. In addition, the contract used is also in accordance with DSN MUI Fatwa No. 10/DSN-MUI/IV/2000 concerning Wakalah and DSN MUI Fatwa No. 113/DSN-MUI/IX/2017 concerning Wakalah bi al-Ujrah.
 Keywords: Islamic law, administration, BSI Mobile

Analisis Sharia Compliance Pada Produk Kafalah Pembiayaan Surety Bond di PT.Penjaminan Jamkrindo Syariah Kantor Cabang Medan


 This research is the result of a qualitative descriptive study that aims to answer questions regarding the mechanism for the issuance of Kafalah products for Surety Bond Financing and Sharia Compliance for Kafalah Surety Bond Financing products at PT Penjaminan Jamkrindo Syariah Medan Branch Office. This research is a type of field research. Data collection was carried out through direct interviews with Surety Bond staff and other operational divisions at PT. Medan Sharia Jamkrindo Guarantee. Supported by the study of documents related to research, such as statutory regulations, DSN-MUI Fatwas, and Kafalah surety bond certificates and official websites. Then the results collected were analyzed in the form of a qualitative descriptive analysis method. The results of the research obtained are the first, regarding the mechanism of the process of issuing Kafalah products for Surety Bond Financing from three parties, namely the Project Owner (Obligee) then continued by the Contractor (Principal), namely the party that gives the achievement and finally we submit it to the Guarantee (Suretyship) /Surety Company) to process Company guarantees to be given or claimed to the principal and submitted to the obligee. secondly, namely in carrying out the guarantee business activities of PT. The Jamkrindo Syariah Guarantee uses the Kafalah contract as determined by the National Sharia Council, namely DSN-MUI FATWA No.11/DSN-MUI/IV/2000 concerning Kafalah, including its application in Kafalah Surety Bond Financing products. However, there are still a number of things that need to be emphasized again, one of the pillars and conditions of Makful Anhu, namely being known by the guarantor and being able to hand over his dependents to the guarantor. So here a Surety bond is a guarantee issued by an insurance company to help the obligee due to the failure of the principal to carry out the project (default). So surety bonds are an alternative form issued by loss insurance companies (Guarantee) and PT. The Jamkrindo Syariah guarantee is expected to be able to maintain adherence to Sharia Compliance, which is currently well fulfilled.
 Keywords: Kafalah Surety Bond Products Sharia Compliance, Kafalah Surety Bond Product Mechanisms

Penundaan Pembayaran Angsuran Kepemilikan Rumah: Telaah Empiris Sanksi Nasabah BSI Menurut Fatwa DSN-MUI No. 17/DSNMUI/IX/2000

If customers make the delay in payment of home ownership financing installment, Bank Syariah Indonesia (BSI) will impose punishments in the form of warning letters for them. This research discusses the application of punishment (ta'zir), the accordance of sanctions (ta'zir) with Fatwa DSN-MUI No.17/IX/2000 concerning capable customers who delay payments, and the purpose of applying sanctions (ta'zir) for customers of BSI. The type of research used is qualitative research, with primary data obtained from interviews. The research object is BSI located in Central Jakarta. The empirical juridical approach is used to elaborate the research data. The results of this study reveal that the punishment (ta'zir) of BSI has been guided by the accordance of “Fatwa DSN-MUI NO:17/DSNMUI/IX/2000 Tentang Sanksi Nasabah Mampu Yang Menunda-nunda Pembayaran Angsuran Pembiayaan Kepemilikan Rumah Menggunakan Akad Murabahah”. In other words, the provisions of Fatwa DSN-MUI No. 17/DSN-MUI/IX/2000 concerning sanctions for capable customers who delay payments are in accordance with the practices applied by BSI as a bank under Islamic principle. in Indonesia. Punishments are imposed on customers who are capable but deliberately delay payments. In contrast, sanctions (ta`zīr) do not apply to customers who do not pay their installments due to force majeure or experience unwanted losses involving human factors.

Halal Tourism: The Development of Sharia Tourism in Baturraden Banyumas, Indonesia

This research is motivated by the DSN-MUI Fatwa Number 108/DSN-MUI/X/2016 as the basis for the concept of halal tourism in the trend of sharia tourism management models, sharia tourism development in Baturraden Banyumas. The research method used in this study is the constructivist paradigm used to see the phenomenon of community behavior around tourist sites. The results showed that the tourism potential in Baturraden Banyumas to be developed into sharia tourism. First, the public can understand the meaning of sharia tourism, tourism is carried out for recreational purposes in accordance with the concept of halal tourism in the DSN - MUI fatwa. Second, tourism activities and tourist sites are sufficiently protected from immoral activities, only a few things need to be improved, namely the application of the rules of no dating and the implementation of a stricter curfew. Third, tourist sites are quite comfortable and safe. Fourth, in tourist sites there are many facilities for places of worship, restaurants, souvenir shops.

Analisis Penerapan Konsep Syari’ah Pada Hotel Hidayah Tebuireng Jombang (Tinjauan Fatwa DSN-MUI No : 108/DSN-MUI/X/2016)

The number of shari'ah hotels or what can be called a type of business in the halal sector which is currently being developed is also found in Jombang Regency, East Java, the purpose of this study was to find out how the application of the shari'ah concept to Hidayah Hotels. This study uses a descriptive explorative methodology and is qualitative in nature. The technique used in this study was in-depth interviews with hotel managers Hidayah Tebuireng and hotel guests using observation and documentation models, as well as reviews from the Hidayah hotel website which are found on Google as public information. The findings of this study indicate that the Hidayah hotel in Jombang Regency follows the DSN MUI fatwa No. 108/DSN-MUI/X/2016 in implementing the DSN MUI fatwa.

THE POTENTIAL OF THE MUSYARAKAH MUTANAQISHAH AGREEMENT AS AN ALTERNATIVE FOR DEVELOPING THE MADURA HALAL TOURISM OBJECT AREA THROUGH AN INFRASTRUCTURE APPROACH

Musyarakah Mutanaqishah is a form of cooperation between two or more parties forownership of an item or asset. Even though the capabilities and technicalities ofmusyarakah mutanaqishah have been stated in the DSN-MUI fatwa Number 73 of 2008,in practice this contract is still not widely used. This agreement is used as an alternativefor developing halal tourist attractions in Madura through an infrastructure approach.Based on this, the objectives of this research are (1) To examine the potential of themusyarakah mutanaqishah contract in supporting the development of halal touristattractions (2) To provide a general description of the development of Madura touristattractions through an infrastructure approach using the musyarakah mutanaqishahcontract. This research uses a descriptive qualitative research method which aims todescribe the condition of the subject and research object. The data collection techniquesused by researchers in this research were conducting interviews and documentation.Then the results of the interviews and documentation were imported using the NVIVOapplication to get more measurable results. The research results obtained: (1) Access tohalal tourism development which includes the construction of railway infrastructure isin the less productive category because the existing route has become a public facility.(2) The potential of the Mutanaqishah Musyarakah Agreement as an alternative fordeveloping halal tourism with infrastructure development in the Madura region is veryimpactful and less significant. It is hoped that this research will be able to develop touristtransportation access in the Madura area.Keywords: Musyarakah Mutanaqishah, Halal Tourism, Infrastructure.

Bank Syariah Indonesia Gold Pawn Law in Denpasar, Bali

This study aims to analyze the legal contract for Sharia gold pawn financing in an Islamic bank in Denpasar and explain the suitability of theory and practice that occurred in the field after the issuance of the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN MUI) Number 26/DSN-MUI/III/2002 regarding Gold Rahn which was conveyed by the bank in the inauguration of the BSI Gold Pawn Halal Agreement. This study uses a qualitative descriptive-analytical research method in which the primary source is based on direct fieldwork by observing the phenomena that occur and processes in real terms, then analyzing the suitability between theory and practice in depth. This research shows that gold pawning at the Denpasar Indonesian Islamic Bank uses 3 contracts, namely qardh, rahn, and ijarah contracts. The implementation of gold mortgage financing is not fully by Sharia, because it is indicated that the usury in giving ujrah is taken according to the amount received by the customer. In the ijarah ujrah contract, it must be calculated from the estimated value, so that there is a discrepancy between theory and practice that occurs in the field. This documents the context of content analysis which is different from the DSN MUI fatwa No. 26/DSN-MUI/III/2002 concerning Gold Rahn, because, in a qardh contract, there is no addition to profit.

Desain Akad Muamalah Perbankan Syariah Pada Ekonomi Islam

Academic reconstruction is crucial to developing a more dynamic and innovative Sharia banking product that can compete with current conventional banking products. The aim of this study is to study the legal basis, structure, and implementation of this multi-barrier in the sharia banking business.In this study, library research methods are used. The data sources used consist of books and other relevant sources, such as DSN MUI fatwa related to this research topic. The results of the research showed that al-jam'u bainal uqud or multi akad was a major advance in the development of sharia banking products. This is a new discipline that has never been discussed in classical fiction books. As long as these multi-acts do not violate Islamic principles and values, the scholars give permission. The purpose of this multi-acade is to clarify rights and duties and to prevent iniquity, which will benefit mankind both in this world and in the Hereafter. In the product of mutanaqishah (MMq), there are many obstacles, such as syirkah, ijarah, and sale; in the history of muntahiyah bit-tamlik (IMBT), there is wa'd (promises), ijarah and sale, and both form a single product. There is a ta'alluq between these akad-akad and each other.

Analisis Perbandingan Gadai Syariah dan Gadai Konvensional di Tinjau Hukum dan Prinsip

Pawn is a right acquired by an individual who owes a movable property, which is handed over to them by a debtor or a representative, granting the debtor the authority to receive payment for the goods in advance compared to other debtors, excluding auction costs and salvage expenses. Sharia pawning (known as Rahn) involves using one of the borrower's assets as collateral for the loan they receive. This study seeks to establish a comparison between conventional pawning and sharia pawning (rahn). The research aims to provide insights and understanding to all relevant parties regarding the comparative aspects of conventional pawning and sharia pawning (rahn). The research methodology employed is library research, utilizing data collection techniques such as gathering books, journals, and previous works related to conventional pawning and sharia pawning (rahn). The researcher employs qualitative data analysis for data interpretation. Based on the described research, it can be concluded that both conventional pawns and sharia pawns share similarities in that they are prohibited from exploiting the pawned goods, and the pawnee has the right to sell or auction the pawned goods once the loan period expires. The distinction between conventional pawning and sharia pawning lies in the legal foundation. Conventional pawning relies on the Criminal Code, while sharia pawning is guided by the DSN MUI Fatwa on Rahn. In conventional pawning, the contract involves a single debt agreement with a movable goods guarantee from a conventional legal perspective. The Ministry of SOEs oversees conventional pawning, while the Sharia Supervisory Agency (BPS) and the Financial Services Authority (OJK) oversee sharia pawning. Conventional pawns involve interest charges, whereas sharia pawns incur maintenance costs. In conventional pawning, pawned goods can be auctioned, while in sharia pawning, they can be sold.

ANALISIS KAIDAH-KAIDAH FIQIH MUAMALAH DAN IMPLEMENTASINYA DI INDONESIA

The purpose of this research is to study and analyze the principles of muamalah fiqh that are contained in the book al-Asybah wa an-Nadhair by Imam Jalaluddin al-Suyuthi and its implementation in Indonesia. This type of research is library research, the data used is qualitative data obtained from a book study (book study) for 2 years, especially on the principles of muamalah fiqh. The method used in this thesis is descriptive-analytic-implementative, namely determining, describing, and objectively classifying the data being studied as well as interpreting the data, then the data that has been analyzed are compared to find common ground. Jalaluddin Abdurrahman bin Abi Bakr al-Suyuthi is a high priest, hadith expert, accomplished historian as well as linguist and a prolific writer. Imam al-Suyuthi was awarded by Allah Almighty the breadth of knowledge in seven different fields of religious knowledge, namely the science of interpretation, science of hadith, science of fiqh, science of nahwu, knowledge of ma'ani, science of bayan and science of badi '. In fact, he was so confident in giving himself superiority in front of the general public, he said, "In fact, my mastery of these seven sciences has not matched even among my teachers, except fiqh and history." The result of this research is that the method of istinbath al-Suyuthi in extracting the law of fiqh is not only referring to the Al-Qur'an and as-Sunnah as the main source, but al-Suyuthi also uses the comparative Madzhab approach (Hanafiyyah, Malikiyyah, Syafi ' iyyah and Hanabilah) which of course cannot be doubted the validity of which is comprehensive enough, so that it can give birth to fiqh principles that can be accepted among Muslim communities in general throughout the world, and even in Indonesia it has been made part of his fiqh principles as a valid legal product of fiqh. . Meanwhile, the correlation between fiqh al-Suyuthi and contemporary muamalat practice in Indonesia is still very relevant. Because among the 137 DSN-MUI fatwas (Fatwa 137 / DSN-MUI / IX / 2020) using 30% of the principles of al-Suyuthi fiqh

ANALISIS AKAD AS-SALAM DALAM JUAL BELI ONLINE DI TOKO CHAGIYA

This research discusses the concept of the As-Salam contract in online buying and selling transactions at the Chagiya shop. The As-Salam contract is a form of contract in Islam that has an important role in maintaining the principles of justice and ethics in business. This research aims to analyze the application of the As-Salam contract in the context of online buying and selling at the Chagiya shop, as well as its impact on transaction actors and consumers. Qualitative method with descriptive analysis, this research uses a field approach (Field Research) by making direct observations of the activities carried out by the company. While the data collection techniques in this study used interviews with sellers and buyers at Chagiya Stores and library documentation (Library Research), after the data was collected, data analysis was carried out with several stages, namely data reduction, data presentation and drawing conclusions from what was obtained in this study. The conclusion obtained from this research is that buying and selling with the online system carried out by Toko Chagiya is included in the as-salam system using a written contract via the internet where the as-salam contract can be carried out by the two contract actors who are not in one assembly (place) then applied through pictures of products and types through the Instagram site. Both (contract actors) are brought together on one network site. The Online as-Salam System at Toko Chagiya is concluded that as-salam with an online system is permitted, because it fulfills the pillars and conditions of salam sale and purchase that have been determined by Shara' and fulfills the rules that apply in a transaction. This is reinforced by the opinions of Chagiya Shop buyers regarding the sale of their products, 95% say that the online service is satisfactory, the goods in the picture match the reality, and if there is a mistake from the store, the store is responsible. In addition, in practice, the author concludes that the contract carried out by Toko Chagiya is in accordance with the provisions of Fatwa DSN-MUI No.05/DSN-MUI/IV/2000. Where this online buying and selling does not contain elements that can damage it, such as usury, injustice, fraud and the like.