Peran Fintech Syariah Dalam Inklusi Keuangan Digital: Analisis Maqashid Al-Shariah

Penulis

  • Ahmad Ridha Jafar Institut Agama Islam As’adiyah Sengkang, Sulawesi Selatan, Indonesia.

DOI:

https://doi.org/10.30651/mqsd.v14i3.29068

Abstrak

Perkembangan teknologi finansial (fintech) syariah di Indonesia telah menjadi salah satu pilar penting dalam mendorong inklusi keuangan digital. Di tengah tantangan yang dihadapi oleh masyarakat dalam mengakses layanan keuangan, fintech syariah menawarkan solusi yang sesuai dengan prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis peran fintech syariah dalam meningkatkan inklusi keuangan digital dengan menggunakan pendekatan maqashid al-shariah. Metodologi yang digunakan dalam penelitian ini adalah yuridis normatif, yang mengkaji regulasi dan praktik fintech syariah serta dampaknya terhadap masyarakat. Hasil penelitian menunjukkan bahwa fintech syariah tidak hanya meningkatkan aksesibilitas layanan keuangan, tetapi juga memberikan edukasi keuangan yang penting bagi masyarakat. Kesimpulan dari penelitian ini menekankan perlunya dukungan regulasi yang lebih kuat untuk memaksimalkan potensi fintech syariah. Novelti dari penelitian ini terletak pada analisis maqashid al-shariah yang memberikan perspektif baru dalam memahami kontribusi fintech syariah terhadap inklusi keuangan. Rekomendasi yang dihasilkan mencakup perlunya kolaborasi antara pelaku industri, regulator, dan masyarakat untuk menciptakan ekosistem fintech syariah yang sehat dan berkelanjutan.

Kata Kunci: Peran Fintech Syariah, Maqashid al-Shariah, Teknologi Keuangan Islam.

Unduhan

Diterbitkan

2025-11-19

Terbitan

Vol 14 No 3 (2025): Maqasid Jurnal Studi Hukum Islam

Bagian

Artikel

Lisensi

Hak Cipta (c) 2025 Ahmad Ridho Jafar

Creative Commons License

Artikel ini berlisensiCreative Commons Attribution-ShareAlike 4.0 International License.

The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Maqasid Journal and Department Islamic Family Law (Ahwal al Syakhshiyah) Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.

Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Maqasid Journal and Department Islamic Family Law (Ahwal al Syakhshiyah) Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.

Department Islamic Family Law (Ahwal al Syakhshiyah) Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Maqasid are sole and exclusive responsibility of their respective authors and advertisers.

Rights of Authors
The Maqasid Journal and Department Islamic Family Law (Ahwal al Syakhshiyah) Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:

  • Patent and trademark rights and rights to any process or procedure described in the article.
  • The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the authors institution is permitted.
  • The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.