تطبيقات السنة النبوية في المعاملات المالية

This research examines the applications of the Prophetic tradition (Sunnah) in financial transactions and aims to analyze and evaluate the implementation of the Prophetic tradition in financial transactions by studying the Prophetic evidence and its legal interpretations, elucidating how Muslims should conduct themselves responsibly and correctly in the field of financial and economic matters in accordance with the Prophetic tradition. The significance of this research lies in providing a legal guideline for Islamic financial institutions and individuals to execute their transactions in a manner that aligns with the Prophetic tradition. Utilizing a descriptive and analytical approach grounded in Prophetic Hadiths, recognized Islamic texts, and jurisprudential sources, a diverse range of financial transactions were studied. The results indicate that financial exchange between banks can be permissible if conducted without interest and adhering to Shariah regulations. The Mudarabah contract is also considered permissible and feasible in financial transactions, provided it complies with Shariah regulations. However, trading in commercial papers involving interest is considered impermissible. In addition, bank deposits and current accounts are considered Shariah-compliant when adhering to Shariah regulations. Covered documentary credits are considered permissible, contingent on adherence to appropriate Shariah conditions. Furthermore, the Salam contract is emphasized as a legitimate means of financing seasonal agricultural production. Lastly, it is stressed that penalty clauses in non-debt financial contracts are permissible for compensating damages, provided they are not tied to usurious interest. These findings provide valuable insights into how financial and banking transactions can be organized in accordance with the Prophetic tradition and Islamic values, contributing to enhancing compliance with Shariah regulations in the financial and banking sector and promoting trust and transparency in this context.