العقود الذكيّة وآفاق تطبيقها في المصرفية الاجتماعية: رؤية فقهية مقاصدية
SMART CONTRACTS AND THEIR APPLICATION PROSPECTS IN SOCIAL BANKING: A MAQASID JURISPRUDENTIAL PERSPECTIVE
DOI:
https://doi.org/10.33102/mjsl.vol12no2.599Keywords:
Smart contract, blockchain, Islamic finance, العقود الذكيّة, البلوكتشين, التمويل الإسلاميAbstract
This research paper aims to explore aspects of smart contract technology in Islamic finance, focusing on its legitimacy, objectives, and potential applications in Islamic social finance. This study relies on comparative qualitative analysis methodology and revolves around discussing the nature of smart contracts, the challenges related to their formulation and implementation, regulatory frameworks, and the cryptocurrencies used within them. The study presents proposed models for utilizing smart contracts in Islamic social finance and uses comparisons between different experiences to provide in-depth insights.This article also presents proposed models for leveraging smart contracts in Islamic social finance, using a comparative qualitative analysis approach. The study underscores the significance of integrating new innovations to maintain leadership in finance, as Islamic finance seeks to integrate its principles with Sharia-compliant systems and develop products that combine technological excellence with Sharia compliance. This study provides important findings and valuable recommendations for integrating smart contracts into Islamic social finance, contributing to enhancing innovations and developing advanced financial tools that effectively meet market needs while complying with Sharia principles.ملخص البحث
هذه الورقة البحثية تهدف إلى استكشاف جوانب تقنية العقود الذكية في المالية الإسلامية، مركزة على شرعيتها، وأهدافها، واستخداماتها المحتملة في التمويل الاجتماعي الإسلامي. يتمحور منهج الدراسة حول مناقشة طبيعة العقود الذكية، والمشكلات المتعلقة بصياغتها وتنفيذها، والأطر التنظيمية لها، والعملات المشفرة المستخدمة ضمنها. كما يقدم الورق نماذج مقترحة للاستفادة من العقود الذكية في التمويل الاجتماعي الإسلامي، باستخدام منهج تحليلي نوعي مقارن. وتبرز أهمية الدراسة في الحاجة الملحة إلى اعتماد الابتكارات الجديدة للحفاظ على الريادة في المالية، حيث تسعى المالية الإسلامية لدمج مبادئها مع الأنظمة المتوافقة مع الشريعة وتطوير منتجات تجمع بين التميز التكنولوجي والامتثال الشرعي. الدراسة تأتي بنتائج مهمة وتوصيات قيمة لدمج العقود الذكية في التمويل الاجتماعي الإسلامي، مما يسهم في تعزيز الابتكارات وتطوير أدوات مالية متقدمة تلبي احتياجات السوق بشكل أكثر فعالية وامتثالًا للشريعة.
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