SEMANTIC STUDY OF RIBA GHARAR AND TADLIS IN DIGITAL TRANSACTIONS
Keywords:
Hadith Economics, Arabic Semantics, Riba, Gharar, Tadlis, Digital Transactions, Islamic FintechAbstract
This article examines the Arabic semantic construction of the terms riba, gharar, and tadlis/ghishsh in prophetic traditions and connects their meanings to contemporary digital transactions. The study is motivated by a gap between the rapid development of financial technology, pay-later schemes, online lending, algorithmic marketing, and marketplace promotion, and the limited linguistic reading of hadith terms that function as ethical controls in Islamic economics. Using a qualitative descriptive design based on library research and thematic semantic analysis, the article analyzes selected hadith texts from Sahih Muslim, Sunan Ibn Majah, and Jami' al-Tirmidhi, supported by classical lexical references and contemporary Islamic finance literature. The findings indicate that riba does not merely denote additional payment, but a harmful structure of gain detached from fairness and real exchange; gharar refers to ambiguity that produces contractual vulnerability; and tadlis/ghishsh signifies concealment or manipulation of material information. In digital transactions, these meanings provide a normative framework for assessing online credit, price disclosure, product representation, promotional claims, and platform-based uncertainty. The article concludes that semantic analysis of hadith language can strengthen Sharia compliance by translating classical Arabic meanings into practical ethical indicators for digital economic behavior.
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Copyright (c) 2026 Dwi Intan Nor Mahmudha, Abdul Ghofur, Ainur Rofiq Sofa (Author)
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