Prinsip Qardh dalam QS. Al-Baqarah Ayat 245: Kajian Tafsir Tahlili dan Implementasinya pada Platform Fintech Syariah di Indonesia
DOI:
https://doi.org/10.54065/BaytAl-Hikmah.746Keywords:
Islamic Fintech, Investree Syariah, Qardh, Tahlili ExegesisAbstract
The rapid development of Islamic financial technology has created a growing need to ensure that digital financial practices remain consistent with the normative principles of Sharia, particularly in the application of qardh contracts. This study aims to analyze Qur'an Surah Al-Baqarah verse 245 using the tahlili interpretation method and to examine the implementation of the qardh concept in Islamic fintech practices, particularly in Investree Syariah. The research employs a qualitative approach using descriptive-analytical library research based on Qur'anic exegesis, Islamic jurisprudence, Sharia regulations, and Islamic economics literature. The findings show that Qur'an Surah Al-Baqarah verse 245 contains an encouragement to spend wealth in the cause of Allah through the metaphorical expression of “lending to Allah,” which serves as spiritual motivation to promote generosity and social responsibility. Linguistic analysis reveals the use of rhetorical expressions, majaz, and emphasis on multiplied rewards as encouragement to perform good deeds. From the perspective of Islamic jurisprudence, the verse reflects the principles of tabarru’, mutual assistance, sincerity, and the prohibition of stipulated benefits that may lead to riba. In the context of modern Islamic economics, the qardh concept provides a normative foundation for Islamic fintech contracts. In Investree Syariah, qardh is implemented alongside wakalah bil ujrah, separating benevolent financing from platform service fees. These findings imply that Islamic fintech providers should maintain a clear distinction between social and commercial contracts and ensure transparent service fees to preserve Sharia compliance. The study concludes that the implementation of qardh in Islamic fintech is generally consistent with Sharia principles, although continuous supervision remains necessary.
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