Transformasi Ekonomi Syariah di Era Revolusi Industri 4.0 dan 5.0: Optimalisasi Artificial Intelligence, Big Data, dan Blockchain untuk Ekosistem Keuangan Halal

Authors

  • Nurhayati Universitas Negri Islam Sultan Syarif Kasim Riau
  • Nanda Suryadi Universitas Negri Islam Sultan Syarif Kasim Riau
  • Raja Sakti Putra Harahap Universitas Negri Islam Sultan Syarif Kasim Riau

DOI:

https://doi.org/10.30651/jms.v10i5.28771

Abstract

Penelitian ini bertujuan untuk mengkaji bagaimana optimalisasi penerapan Artificial Intelligence (AI), Big Data, dan Blockchain dapat memperkuat ekosistem keuangan halal di era Revolusi Industri 4.0 dan 5.0. Transformasi digital memberikan peluang besar bagi lembaga keuangan syariah untuk meningkatkan efisiensi operasional, transparansi transaksi, serta menjaga kepatuhan terhadap prinsip-prinsip syariah. Penelitian ini menggunakan pendekatan kausal dengan metode Structural Equation Modeling Partial Least Squares (SEM–PLS) untuk menganalisis pengaruh teknologi terhadap penguatan ekosistem keuangan halal, di mana tata kelola syariah dan maqāṣid al-syarīʿah berperan sebagai variabel mediasi dan moderasi. Temuan menunjukkan bahwa ketiga teknologi tersebut memiliki pengaruh positif dan signifikan terhadap pengembangan keuangan halal, dengan AI memberikan kontribusi terbesar, diikuti oleh Big Data dan Blockchain. Tata kelola syariah terbukti memperkuat hubungan antara teknologi dan kepatuhan syariah, sedangkan maqāṣid al-syarīʿah berfungsi memastikan bahwa inovasi digital tetap sejalan dengan nilai keadilan, kemaslahatan, dan keberlanjutan. Secara keseluruhan, penelitian ini menegaskan perlunya integrasi harmonis antara kemajuan teknologi dan prinsip syariah guna menciptakan sistem keuangan Islam yang transparan, inklusif, dan berdaya saing di era digital.

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Published

2025-11-25

How to Cite

Nurhayati, Nanda Suryadi, & Raja Sakti Putra Harahap. (2025). Transformasi Ekonomi Syariah di Era Revolusi Industri 4.0 dan 5.0: Optimalisasi Artificial Intelligence, Big Data, dan Blockchain untuk Ekosistem Keuangan Halal. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(5). https://doi.org/10.30651/jms.v10i5.28771

Issue

Vol. 10 No. 5 (2025)

Section

Artikel

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