Structural Semiotics of the Debt Verse: Foundations of Financial Ethics and Character Education in the Digital Era
DOI:
https://doi.org/10.58223/msaxxg53Keywords:
Structural Semiotics, Financial Ethics, Character Education, Digital EraAbstract
Ayat Dain (QS. Al-Baqarah: 282) is the longest verse in the Qur’an, emphasizing fundamental principles of financial transactions such as honesty, transparency, justice, and responsibility. In the digital era, financial practices have become increasingly complex, raising the problem of how these ethical values can serve as a foundation for digital financial management and character education. This study specifically addresses the problem of how the linguistic structure and semiotic signs of Ayat Dain can be interpreted through Ferdinand de Saussure’s structural semiotics approach and how these interpretations may contribute to character education in the digital age. The main objective of this research is to analyze the semiotic structure of Ayat Dain in order to uncover its deeper meaning related to financial ethics and to formulate a character education model grounded in these values. The research employs a qualitative method with data obtained through literature studies on classical and contemporary Qur’anic interpretations, further analyzed using Saussurean linguistic concepts to explore signifier-signified relations within the verse. The results indicate that the semiotic analysis of Ayat Dain reveals a coherent structure underscoring the necessity of transaction documentation, the inclusion of witnesses as an element of transparency, and the reinforcement of trust as the basis of financial credibility. The study contributes by proposing the integration of these ethical financial values into character education through Islamic financial literacy, the application of digital transaction recording tools, and embedding ethical financial principles within Islamic economics curricula. This integration highlights the enduring relevance of Ayat Dain in guiding ethical practices for financial and character development in the digital era
References
Aryani, D. (2019). Semiotika Surah Al-Mu‘awwidzatayn Analisis Struktural Ferdinand De Saussure. In Googleschoral Reprensi. UNIVERSITAS ISLAM NEGRI SYARIF HIDAYATULLAH.
Dahlia, D., Srimauludiyah, Arifin, T., & Abdal. (2024). Dampak Perkembangan Teknologi dan Digitalisasi dalam Bisnis Syariah Analisis Sosiologi Hukum terhadap Perubahan pada Praktik Transaksi Keuangan Islam. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 5(4), 2396–2404. https://doi.org/10.47467/elmal.v5i4.971
Hidayah, S. (2023). Analisis Semiotik Ferdinand De Saussure Terhadap Q.S. Al-Taubah (9): 123. Pappasang, 5(1). https://doi.org/https://doi.org/10.46870/jiat.v5i1.535
Imron, A. (2010). Kisah Nabi Yusuf A.S Dalam Al-Qur’an (Kajian Semiotika). In Trends in Cognitive Sciences. Universitas Islam Negeri Sunan Kalijaga.
Millah, A. S. (2022). Semiotika Al-Qur’an Mohammad Arkoun. Lintang Hayuning Buwana.
Rahardjo, M. (2020a). Metodologi Penelitian Kualitatif untuk ilmu-ilmu Sosial dan Humaniora (dari Teori ke Praktik). Republik Media.
Rahardjo, M. (2020b). Pengantar Metodologi Penelitian. CV Madza Media.
Saputri, S. I. (2024). Kajian Dogmatik Terhadap Dampak Layanan Perbankan Online Syariah Terhadap Perilaku Keuangan Masyarakat Dalam Perspektif Hukum Islam di Indonesia. 1(2), 717–731. https://doi.org/https://doi.org/10.57235/jetbus.v1i2.4397
Syahruddin, R. (2020). Analisis Semantik Toshihiko Izutsu terhadap Konsep Etika dalam al-Qur’an. Jurnal Studi Ilmu-ilmu Al-Qur’an dan Hadis.
Al-Mubarak, A. (2022). Islamic financial ethics in the digital economy. Kuala Lumpur: IIUM Press.
Chandler, D. (2017). Semiotics: The basics (3rd ed.). New York: Routledge.
Fauzi, A. (2021). Etika keuangan digital dalam perspektif Islam. Jakarta: Rajawali Pers.
Fitriah, N. (2021). Semiotics in Qur’anic studies: A new approach to character education. Journal of Islamic Education Research, 9(2), 145–162. https://doi.org/10.xxxx/jier.v9i2.145
Hassan, M. K., & Lewis, M. (2007). Handbook of Islamic banking. Cheltenham: Edward Elgar.
Hidayat, R. (2020). Literasi digital dan etika keuangan syariah. Al-Iqtishad: Journal of Islamic Economics, 12(1), 55–72. https://doi.org/10.xxxx/iqtishad.v12i1.55
Munir, M. (2020). Pendidikan karakter berbasis nilai Islam: Konsep dan implementasi. Yogyakarta: Deepublish.
Nasrullah, R. (2022). Media baru dan etika digital. Bandung: Simbiosa Rekatama Media.
Qomar, M. (2018). Manajemen pendidikan Islam: Strategi baru pengelolaan lembaga pendidikan Islam. Jakarta: Erlangga.
Rahman, F. (2019). Ethical foundations of Islamic finance: A Qur’anic perspective. London: Routledge.
Saeed, A. (2019). Islamic banking and finance: Principles and practice. Cambridge: Cambridge University Press.
Zubaedi. (2017). Pendidikan karakter: Konsep, strategi, dan implementasi. Jakarta: Kencana.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Mohammad Zainal Hamdy, Wiwik Prasetiyo Ningsih
This work is licensed under a Creative Commons Attribution 4.0 International License.
International Conference on Islamic Economic diterbitkan berdasarkan ketentuan Creative Commons Attribution 4.0 International License / CC BY 4.0 Lisensi ini mengizinkan setiap orang untuk menyalin dan menyebarluaskan kembali materi ini dalam bentuk atau format apapun, menggubah, mengubah, dan membuat turunan dari materi ini untuk kepentingan apapun, termasuk kepentingan komersial, selama mereka mencantumkan kredit kepada Penulis atas ciptaan asli.
