The purpose of this study is to understand the synchronization of the standard contracts contained in Qazwa.id with Islamic law and to find out how the legal protection for financiers is in the standard contracts made by Qazwa. This research uses the literature study method with DSN-MUI fatwa data sources, laws, POJK and articles that are relevant to this research. The results of this study are that overall Qazwa's standard contracts and the general terms and conditions that apply to Qazwa are in accordance with DSN MUI Fatwa Number 117 of 2018 concerning Information Technology-Based Financing Services Based on sharia principles. Legal protection for consumers in the early stages or before the contract takes place, consumers will receive education about platform, information and product transparency services. Qazwa also provides online customer service that responds swiftly to questions and complaints from potential lenders. Therefore, the form of legal protection for consumers in the early stages before the contract has been implemented and implemented optimally by the organizers.

Islam develops and interacts with various new cultures, the problems it faces become more and more complicated. As a result, Islamic studies are not enough with text analysis but also pay attention to the historical aspects that lie behind it. This paper aims to answer the problem of the study of Islamic epistemology which initially rested on idealism which was only textual based to use a contextual approach. The research method used is literature study, which is a series of research that has data sources from books, articles related to the theme. Understanding history in Islamic studies is an effort to find out the reality in the past related to Islamic teachings which are the benchmark for the future era as an effort to anticipate future distortions. The historical approach in Islamic studies has contributed to the value of human life by providing moral messages indirectly contained in history as an effort to anticipate negative thinking patterns in life caused by advances in science.

BMT (Baitul Maal-wat-Tamwil) is one type of financial institution regulated by the OJK or the Financial Services Authority, whose job is to regulate licensing, training and supervision. This rule was made based on Article 6 of the Financial Services Jurisdiction Law No. 21 of 2011, which authorize OJK to regulate, monitor, and administer licensing procedures for all financial services sector. As a legal issues have been regulated, although they do not play a significant role in their oversight. OJK acts as supervisory agency for the country’s financial service industry, creating an integrated regulatory and supervisory structure for all operations in the financial services sector. Law no. 1 of 2013 authorized. Article 5 paragraph 2 POJK No. 12/POJK.05/2014 confirms this. The author’s research approach is literature study. The legality of BMTs has not chaged, and many BMTs still prefer the legal cooperative form. This has consequences in the form that BMT is governed by rules governing cooperatives, particularly Law No. 25 of 1992.