Digitalisasi Keuangan Syariah di BPRS Bhakti Sumekar KCP Bluto: Tantangan dan Dampaknya terhadap Inklusi Keuangan dalam Perspektif Maqashid Syariah

Authors

  • Sudianto Universitas Al-Amien Prenduan
  • Ika Yuni Ayuningsih Universitas Al-Amien Prenduan

DOI:

https://doi.org/10.30651/jms.v10i2.25971

Abstract

Abstrak

Dengan kemajuan teknologi dalam Revolusi Industri 4.0, digitalisasi perbankan syariah berperan penting dalam percepatan inklusi keuangan. Namun, observasi di BPRS Bhakti Sumekar KCP Bluto menunjukkan bahwa 70% nasabah masih memilih transaksi langsung, sementara hanya 30% yang menggunakan mobile banking. Permasalahan yang diangkat dalam penelitian ini adalah 1. Bagaimana penerapan digitalisasi keuangan syariah menuju keuangan inklusi perspektif maqashid Syariah di BPRS Bhakti Sumekar KCP Bluto 2. Apa saja tantangan-tangan yang di hadapi dalam penerapan digitalisasi keuangan syariah perspektif maqashid Syariah di BPRS Bhakti Sumekar KCP Bluto. Tujuan penelitian ini untuk mengetahui bagaimana penerapan digitalisasi keuangan syariah menuju keuangan inklusif perspektif maqashid Syariah di BPRS Bhakti Sumekar KCP Bluto. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode wawancara, observasi, dan dokumentasi. Data yang diperoleh dianalisis untuk mendapatkan informasi yang relevan. Subjek penelitian adalah pihak BPRS Bhakti Sumekar KCP Bluto. Keabsahan data diuji melalui triangulasi sumber dan triangulasi teknik. Hasil penelitian menunjukkan bahwa digitalisasi layanan meningkatkan aksesibilitas, efisiensi, dan transparansi, serta mendukung maqāṣid syariah dalam aspek dharuriyah, hajjiyat, dan tahsiniyah. Tantangan utama adalah keterbatasan pemahaman teknologi nasabah, yang diatasi dengan edukasi dan pendampingan. Digitalisasi di BPRS KCP Bluto terbukti efektif dalam mendukung inklusi keuangan syariah.

Kata kunci: Digitalisasi Keuangan Syariah, inklusi keuangan, Maqāṣid Ash-Sharī‘ah

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Published

2025-03-28

How to Cite

Sudianto, & Ika Yuni Ayuningsih. (2025). Digitalisasi Keuangan Syariah di BPRS Bhakti Sumekar KCP Bluto: Tantangan dan Dampaknya terhadap Inklusi Keuangan dalam Perspektif Maqashid Syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(2). https://doi.org/10.30651/jms.v10i2.25971

Issue

Vol. 10 No. 2 (2025)

Section

Artikel

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