Transformasi Prinsip Anti Kredit Abdurrahman bin Auf dalam Perspektif Maṣlaḥah mursalah dan Relevansinya terhadap Pembiayaan UMKM Syariah

This study aims to revisit the cash-only trading principle practiced by Abdurrahman bin Auf. In today’s context, where UMKM rely heavily on flexible financing, his rejection of credit sales seems less compatible. Therefore, this research seeks to reinterpret his principle using the concept of maṣlaḥah mursalah to explore its adaptability in Sharia-compliant financing for modern UMKM. This study adopts a qualitative library-based approach by examining various relevant literature sources. The research finds that Abdurrahman’s cash-only policy remains ethically sound, upholding contract clarity, fairness, and avoidance of riba. However, through the framework of maṣlaḥah mursalah, Sharia-compliant credit mechanisms such as deferred-payment murabahah and musyarakah are permissible when free from usury, clearly defined, and based on mutual consent. These tools allow for flexible UMKM financing while preserving Islamic ethical standards. This study is normative and conceptual in nature, lacking empirical field data. Further research is needed to assess the practical application of these financing models among UMKM actors in real-world settings. The study contributes to the discourse on Islamic business ethics and adaptive legal reasoning. It provides a theoretical framework for integrating traditional Islamic principles with modern economic needs, supporting inclusive and ethical Sharia-based financing models for UMKM in contemporary contexts.