Transformasi Digital dalam Ekonomi Syariah: Inovasi Teknologi untuk Penguatan Ekosistem Keuangan Halal di Era 5.0
DOI:
https://doi.org/10.30651/jms.v10i3.26594Abstract
Penelitian ini bertujuan untuk mengeksplorasi transformasi digital dalam ekonomi syariah serta bagaimana inovasi teknologi memperkuat ekosistem keuangan halal di era Revolusi Industri 5.0. Objek penelitian mencakup layanan keuangan syariah berbasis digital seperti fintech, e-wallet halal, crowdfunding syariah, dan smart contract Islami. Metode yang digunakan adalah pendekatan kualitatif deskriptif melalui wawancara mendalam dengan pelaku industri, regulator, dan akademisi, serta studi dokumentasi literatur dan kebijakan. Hasil penelitian menunjukkan bahwa digitalisasi meningkatkan efisiensi layanan, memperluas inklusi keuangan syariah, dan mendukung pencapaian maqashid syariah. Namun, tantangan tetap ada dalam bentuk rendahnya literasi digital syariah, kesiapan regulasi yang belum optimal, serta perlunya tata kelola dan pengawasan syariah yang ketat. Penelitian ini menyimpulkan bahwa transformasi digital adalah strategi fundamental dalam membangun ekosistem keuangan Islam yang inklusif, efisien, dan berdaya saing. Untuk ke depan, disarankan adanya penguatan literasi digital, sinergi antar pemangku kepentingan, serta investasi pada infrastruktur teknologi halal agar transformasi ini berjalan sesuai prinsip syariah secara menyeluruh.
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.
