مجلة المنهل الاقتصادي
Volume 8, Numéro 2, Pages 436-456
2025-12-20
The Importance Of Using Blockchain Technology In Islamic Financial Institutions
Authors : Aissaoui Siham . Douffi Garmia . Adissa Chahra .
Abstract
Blockchain is a technology compatible with Islamic law because its contract follows the legal and operational requirements of a contract’s components. Islamic banks can benefit from applying smart contracts by using blockchain in many aspects, such as smart credit management, trade financing, control and auditing, as well as the efficiency of the payments and transfers system. In addition, through smart sukuks, money is collected from investors in exchange for a part of their ownership. Money is automatically distributed to the sukuk holders through the blockchain platform according to the rules of the smart contract in the Islamic economy. Next, through a transparent information base, confidence in the endowment can be restored and its role can be revived. This is because blockchain technology is characterized by credibility, transparency, accuracy and speed of implementation , regulating contractual relations between parties, or counting endowment resources.
Keywords
blockchain, Islamic financial, waqf, zakat; sukuk
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