Analisis Peluang dan Hambatan Literasi Keuangan Fintech Syariah di Era Revolusi Industri 4.0
DOI:
https://doi.org/10.30651/jms.v8i2.18884Keywords:
Sharia FinTech, Opportunities, Obstacles, Literacy, FinTech Syariah, Peluang, Hambatan, Literasi.Abstract
Abstract
Financial technology is a new innovation that combines technology and financial services which aims to provide solutions related to financial intermediation so that the existence of these financial services can make it easier for the community. The development of sharia fintech in Indonesia is currently growing rapidly so that it can be an opportunity to continue to grow. This study aims to determine the opportunities and obstacles of Islamic fintech in this modern era. The type of research conducted in this research is qualitative, with a descriptive analysis strategy. This study seeks to review all scientific literature published within the last five years, this is done because to keep data and analysis up to date. Acquisition of data sourced from secondary data and literature review. The results show that Islamic fintech has a large market share because it is supported by a large Muslim population, but data security, regulations, and so on are still obstacles to the development of Islamic fintech today. According to the author, it is necessary to have a page that contains information, references, and also recommendations that present updated material on sharia fintech so that it makes it easier for people to carry out financial literacy. The uniqueness of the study, even though it was carried out as a descriptive study, is that not many have studied the topic of discussion so that the research we wrote can provide information about fintech Islamic financial literacy in the era of the industrial revolution 4.0 by identifying and formulating it in detail, so that it sufficiently explains the topics discussed. However, the first step that must be taken is to make all members of society aware of technology literacy and always update it to make it easier to access fintech. Referring to the results of this study and the limitations found, the advice that can be given is to examine other related objects such as sharia fintech users.
Abstrak
Financial technology merupakan inovasi baru yang menggabungkan teknologi dan jasa keuangan yang bertujuan untuk memberikan solusi terkait intermediasi keuangan 2 sehingga dengan adanya layanan keuangan tersebut dapat memudahkan masyarakat. Perkembangan fintech syariah di Indonesia saat ini berkembang pesat sehingga dapat menjadi peluang untuk terus berkembang. Penelitian ini bertujuan untuk mengetahui peluang dan hambatan fintech syariah di era modern ini. Jenis penelitian yang dilakukan pada penelitian ini adalah kualitatif, dengan strategi analisis deskriptif. Studi ini berupaya mengkaji semua literature ilmiah yang terbit dalam waktu lima tahun terakhir, hal ini dilakukan karena untuk menjaga keterbaruan data dan analisis. Perolehan data bersumber dari data sekunder dan kajian literatur. Hasil penelitian menunjukkan bahwa fintech syariah memiliki pangsa pasar yang besar karena didukung dengan populasi muslim yang besar, namun masih keamanan data, regulasi, dan sebagainya masih menjadi hambatan perkembangan fintech syariah saat ini. Menurut penulis, perlu adanya sebuah laman yang berisi informasi, referensi, dan juga rekomendasi yang menyajikan materi terupdate pada fintech syariah sehingga memudahkan masyarakat dalam melakukan literasi keuangan. Keunikan studi sekalipun dilakukan secara studi deskriptif, adalah masih belum banyak yang mengkaji topik Pembahasan sehingga penelitian yang kami tulis dapat memberikan informasi mengenai literasi keuangan syariah fintech di era revolusi industri 4.0 dengan mengidentifikasi dan dirumuskan secara terperinci, sehingga cukup menjelaskan topik yang dibahas. Namun, langkah awal yang harus dilakukan adalah menyadarkan seluruh kalangan masyarakat untuk melek teknologi dan selalu update agar memudahkan dalam mengakses fintech. Mengacu pada hasil studi tersebut dan keterbatasan yang ditemukan, maka saran yang dapat diberikan adalah mengkaji objek lainnya yang berkaitan seperti pengguna fintech syariah.
References
Abadi, M. D., Lailiyah, E. H., & Kartikasari, E. D. (2020). Analisis SWOT Fintech Syariah Dalam Menciptakan Keuangan Inklusif di Indonesia (Studi Kasus 3 Bank Syariah di Lamongan). Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(1), 178–188.
https://doi.org/10.36778/jesya.v4i1.298
Abidah, A., Saiban, K., & Munir, M. (2022). Peran Al-Quran Dan As-Sunnah Dalam Perkembangan Ekonomi Syariah:Kajian, Peluang Dan Tantangan Fintech Syariah. Muslim Heritage, 7(1), 01–27. https://doi.org/10.21154/muslimheritage.v7i1.3628
Aziz, A., Lestari, D. M., & Furwanti, R. (2020). Sinergitas Perbankan dan Financial Technology: Ikhtiar Menuju Inklusifitas Keuangan Masyarakat Unbankable. Jurnal Dinamika
Ekonomi & Bisnis, 17(1), 37–47. https://doi.org/10.34001/jdeb.v17i1.1058
Dewi, L., Hanik, U., Awwaliah, H., & Yudha, A. T. R. C. (2021). Determinan Harga dan Potensi Sampah sebagai Sumber Modal Ekonomi di Bank Sampah Syariah UINSA Surabaya.
Nomicpedia, 1(1), 14–26.
Elipses, Panel, T. U. I. F., & Gateway, S. (2019). The Global Islamic Fintech Report 2019 (Issue December).
FE UNISSULA Perkuat Kompetensi Fintech Syariah - Fakultas Ekonomi Universitas Islam Sultan Agung. (n.d.). Retrieved May 25, 2023, from Alwi, A. B. (2018).
https://fe.unissula.ac.id/2023/03/29/fe-unissula-perkuat-kompetensi-fintech-syariah/
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3).
https://doi.org/10.29040/JIEI.V5I3.578
Mengenal Lebih Dekat Fintech Syariah: Fintech Paling Potensial di Indonesia – SEF UGM. (n.d.). Retrieved April 4, 2023, from https://sef.feb.ugm.ac.id/mengenal-lebih-dekatfintech-syariah-fintech-paling-potensial-di-indonesia/
Mujiatun, S., Jasin, H., Fahmi, M., & Jufrizen, J. (2022). Model Financial Technology (Fintech) Syariah di Sumatera Utara. Owner, 6(3), 1709–1718.
https://doi.org/10.33395/owner.v6i3.893
Pembiayaan Berbasis Teknologi Informasi (Fintech) yang Berdasarkan Syariah. Al-QÄnÅ«n, Jurnal Pemikiran Dan Pembaharuan Hukum Islam, 21(2), 248–264.
Perkembangan Fintech Syariah - Progres Tazkia. (n.d.). Retrieved April 21, 2023, from
https://kseiprogres.com/perkembangan-fintech-syariah/
Rusydiana, A. (2019). Bagaimana Mengembangkan Industri Fintech Syariah di Indonesia? Pendekatan Interpretive Structural Model (ISM). Al-Muzara’ah, 6(2), 117–128.
https://doi.org/10.29244/jam.6.2.117-128
Sundari, C. (2019). Revolusi Industri 4.0 Merupakan Peluang Dan Tantangan Bisnis Bagi Generasi Milenial Di Indonesia. Prosiding SEMINAR NASIONAL DAN CALL FOR 14 PAPERS, Fintech dan E-Commerce untuk Mendorong Pertumbuhan UMKM dan Industri
Kreatif.
Syariah, F., Islam, E., Syekh, I., & Cirebon, N. (2019). Munich Personal RePEc Archive Opportunities and Challenges of Sharia Technology Financials in Indonesia Mujahidin,
Muhamad.
Tantangan Fintech Syariah di Indonesia - DomaiNesia. (n.d.). Retrieved April 21, 2023, from
https://www.domainesia.com/berita/tantangan-fintech-syariah-di-indonesia
Transformasi Layanan Keuangan dengan Fintech .:: SIKAPI ::. (n.d.). Retrieved May 25, 2023,
from https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/10378
Yudha, A. T. R. C., EI, S., SEI, M., Amiruddin, A. R., Hilmi, A. F., Kaffah, A. F., ... & Nadhifa, Z. (2020). Fintech Syariah: Teori dan Terapan. Scopindo Media Pustaka.
Yudha, A. T. R. C., & Kafabih, A. (2021). Halal Industry During the COVID-19 Pandemic is The Hidden Blessing: Industri Halal Selama Pandemi COVID-19 Adalah Berkah Tersembunyi. El-Qist: Journal of Islamic Economics and Business, 11(1), 17–32.
Yustika, A., Yudha, A. T. R. C., & Sugiyanto. (2023). Eksistensi Pemasaran Syariah dalam Ekosistem Bisnis Hotel di Masa Pandemi COVID-19. Nomicpedia, 3(1).
Zustika, A. F., & Yudha, A. T. R. C. (2020). Peer to Peer Lending System in Hifdun Maal Perspective: Evidence From The FINTECH Company of Investree. Jurnal Ekonomi Syariah
Teori Dan Terapan, 7(8), 1584–1597
Downloads
Published
How to Cite
Issue
Section
License
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and 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 Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
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 Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And 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 author 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.
