Sinergi Digitalisasi dalam Memperkuat Ekosistem Ekonomi dan Keuangan Syariah

Authors

  • Muhammad Hamim Arriza Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo
  • Shinta Maharani Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

DOI:

https://doi.org/10.30651/jms.v11i1.29624

Abstract

Penelitian ini bertujuan untuk menganalisis peran sinergi digitalisasi dalam memperkuat ekosistem ekonomi dan keuangan syariah di Indonesia. Melalui pendekatan kualitatif berbasis kajian kepustakaan, penelitian ini mengkaji bagaimana kolaborasi lintas lembaga—seperti Bank Indonesia (BI), Otoritas Jasa Keuangan (OJK), Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS), perbankan syariah, dan lembaga sosial Islam berkontribusi terhadap penguatan inklusi dan literasi keuangan syariah melalui pemanfaatan teknologi digital. Hasil penelitian menunjukkan bahwa digitalisasi melalui inisiatif seperti e-wallet syariah , zakat dan wakaf digital, serta festival ekonomi syariah (FESyar, ISEF, SEMESTA FEST, dan Sultra Maimo) berhasil meningkatkan efisiensi transaksi, memperluas akses pembiayaan, dan memperkuat sinergi antaraktor ekonomi syariah. Meski demikian, tantangan berupa rendahnya literasi (39,11%) dan inklusi keuangan (12,88%), serta ketimpangan infrastruktur digital masih menjadi tantangan utama. Penelitian ini menyimpulkan bahwa digitalisasi merupakan strategi jangka panjang dalam memperkuat daya saing industri keuangan syariah nasional dan mendukung visi Indonesia sebagai pusat ekonomi syariah global.

Kata kunci : digitalisasi, ekonomi syariah, inklusi keuangan, sinergi lembaga

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Published

2026-02-07

How to Cite

Muhammad Hamim Arriza, & Shinta Maharani. (2026). Sinergi Digitalisasi dalam Memperkuat Ekosistem Ekonomi dan Keuangan Syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.29624

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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