Maqashid Syariah Sebagai Kerangka Kerja untuk Inovasi Produk Keuangan Non Bank dalam Era Digital

Authors

  • Achmad Syawal Nurhidayatullah Universitas Gadjah Mada
  • Oman Fathurohman SW Universitas Ahmad Dahlan

DOI:

https://doi.org/10.30651/jms.v9i5.24835

Abstract

Abstract

This study aims to clarify the role of Maqasid Shariah as a framework for innovation in Islamic non-bank financial products. Maqasid Shariah, which includes the objectives of preserving religion, life, intellect, progeny, and wealth, offers a comprehensive guide in the development of Shariah-based financial products. In the context of the non-bank financial industry in the digital era, the application of Maqasid Shariah principles becomes crucial to ensure that product innovations not only comply with Shariah but also provide broad social and economic benefits. The research method used is a literature study, where the authors conduct an in-depth analysis of reliable sources discussing the concept of Maqasid Shariah and the development of Shariah-based non-bank financial products in the digital era. This study is carried out by reviewing scientific journal articles, books, and other relevant sources to generate a comprehensive understanding. This research will analyze how the implementation of Maqasid Shariah can serve as a guide in designing Shariah-based non-bank financial products that are sustainable, focus on community welfare, and promote financial inclusion.

Keywords: Maqashid Syariah, Non-Bank Islamic Financial Products, Digital.

Abstrak

Penelitian ini bertujuan untuk memperjelas peran Maqasid Syariah sebagai kerangka kerja dalam inovasi produk keuangan non-bank syariah. Maqasid Syariah, yang mencakup tujuan untuk menjaga agama, jiwa, akal, keturunan, dan harta, menawarkan panduan komprehensif dalam pengembangan produk keuangan berbasis syariah. Dalam konteks industri keuangan non-bank di era digital, penerapan prinsip-prinsip Maqasid Syariah menjadi krusial untuk memastikan bahwa inovasi produk tidak hanya memenuhi kepatuhan syariah, tetapi juga memberikan manfaat sosial dan ekonomi yang luas. Metode penelitian yang digunakan adalah studi literatur, di mana penulis melakukan analisis mendalam terhadap sumber-sumber terpercaya yang membahas konsep Maqasid Syariah dan perkembangan produk keuangan non-bank syariah di era digital. Studi ini dilakukan dengan mengkaji artikel jurnal ilmiah, buku, dan sumber-sumber lainnya yang relevan untuk menghasilkan pemahaman yang komprehensif. Penelitian ini akan menganalisis bagaimana implementasi Maqasid Syariah dapat menjadi panduan dalam merancang produk keuangan non-bank syariah yang berkelanjutan, berfokus pada kesejahteraan masyarakat, dan mendorong inklusi keuangan.

Kata Kunci: Maqashid Syariah, Produk Keuangan Non-Bank, Digital

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Published

2024-12-13

How to Cite

Nurhidayatullah, A. S., & SW, O. F. (2024). Maqashid Syariah Sebagai Kerangka Kerja untuk Inovasi Produk Keuangan Non Bank dalam Era Digital. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9(5). https://doi.org/10.30651/jms.v9i5.24835

Issue

Vol. 9 No. 5 (2024)

Section

Artikel

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