This study aims to examine the compatibility of the classical fiqh muamalah contract (akad) concepts with contemporary Islamic financial products in Indonesia. Employing a normative qualitative approach, the research draws upon secondary sources including classical Islamic legal texts, DSN-MUI fatwas, regulations issued by OJK and Bank Indonesia, and related academic literature. The findings reveal that the essential elements of Islamic contracts such as ijab-qabul (offer and acceptance), clarity of the contract object (maḥal al-‘aqd), and the principles of justice and transparency are preserved in the design of modern Islamic financial products. Instruments such as murabahah, musyarakah mutanaqisah, and hybrid contracts like murabahah-wakalah and qardh-ijarah represent adaptive applications that meet market and regulatory needs while remaining within the ethical and legal framework of Islamic law. DSN-MUI fatwas serve as normative references to ensure shariah compliance, while OJK regulations provide the legal-operational framework. Nevertheless, challenges remain, particularly in the uneven capacities of shariah supervision between large banks and smaller financial institutions, as well as in the low level of public literacy regarding Islamic contracts. The study recommends strengthening the synergy between fatwa bodies and regulators, enhancing training and certification for shariah supervisory boards (DPS), and standardizing contract documentation to uphold the integrity of Islamic principles in the evolving financial landscape.

This study aims to examine the Qualitative Study of Shirkah, Its Implications on Sharia Banks and Sharia Financial Institutions. This study uses a qualitative approach with a type of literature study (library research). This method aims for a Qualitative Study of Shirkah, Its Implications on Sharia Banks and Islamic Financial Institutions, focusing on the application of application in daily life. The data in this study were collected through the search of relevant documents and secondary sources, such as Articles from national and international journals indexed by SINTA and Scopus, related to shirkah and its Application to Sharia Bank Transactions. The result of the research is that the musyarakah contract is recorded and witnessed. Second, the contracting party: it is required that the partner must be competent in granting or being given the power of representation. The three objects of the contract (funds and work): the capital provided must be in cash, gold, silver, or of the same value.   The ulama agree on this.

The purpose of this study is Buying and Selling Murabahah and Greetings: A Review of the Literature Review. This research method is a type of literature research; This means that the information materials used come from library sources in the form of books, encyclopedias, magazines, journals, newspapers, journals, This form of research is descriptive, analytical, and critical. Therefore, the author can comprehensively describe. In this study, the author optimally used two data sources related to this research, namely. Primary data sources and secondary data sources. The main source of this research is books and scientific journals on the Knowledge of the Role of Waqf. At the same time, this research is supported (secondary) by the work of other thinkers . The results of the study This agreement is very relevant for the agricultural sector because it provides initial funds for farmers to produce agricultural products. In addition to providing financing solutions, the Salam contract is also a sharia alternative to avoid exploitative ijon practices. These two contracts have a strong legal basis from the Qur'an, Hadith, as well as fatwas of DSN-MUI and PSAK, and have been proven to make a real contribution to the economic development of the ummah, especially through the Islamic financial system.