The Role of Sharia Fintech Based on Maqashid Sharia Perspective

  • Tri Widiastuty STIE Ekuitas Bandung
    (ID)

Abstract

In recent years, both conventional and Islamic financial technology (fintech) have begun to develop. Although the number of Shariah fintech is not as many as the conventional one, its presence should be taken into account. As this fintech service develops, there are also many risks and challenges faced in its practice. Therefore, the researcher is interested in raising the topic of Shariah fintech, which is associated with the maqashid al-shariah perspective. The objective of this study is to determine the development of Shariah fintech in Indonesia from its emergence to the present, to determine the role of Shariah fintech in the perspective of maqashid al-shariah, and to determine obstacles in the development of Shariah fintech. The research method used in this study is descriptive analysis method with a qualitative approach. The researcher performed a literature study to collect data from various sources that support the researcher’s chosen topic, i.e., Shariah fintech associated with maqashid al-shariah. In general, Shariah fintech has fulfilled the principles of maqashid al-shariah. However, there are elements that need to be more strengthened. An example is the need for a governing regulation that separates Shariah fintech from conventional fintech regulation. This is because there are very different crucial elements and principles between these two types of fintech.  

Author Biography

Tri Widiastuty, STIE Ekuitas Bandung
Dosen tetap Program Studi S1 Akuntansi STIE Ekuitas Bandung

References

Aji, A. M., Harisah, & Mukri, S. G. (2020). Revitalization of Fintech Era

0 In The Development of Islamic Microfinance Institution. Al-

Iqtishad: Jurnal Ilmu Ekonomi Syariah, 12(1), 149–164.

https://doi.org/10.15408/aiq.v12i1.15072

Alwi, A. B. (2018). Pembiayaan Berbasis Teknologi Informasi (Fintech)

yang Berdasarkan Syariah. Al-Qānūn, Jurnal Pemikiran Dan

Pembaharuan Hukum Islam, 21(2), 248–264.

https://doi.org/https://doi.org/10.15642/alqanun.2018.21.2.248-

Amalia, S. N. A. (2018). Faktor-Faktor Yang Mempengaruhi Minat

Individu Terhadap Financial Technology Syariah Paytren Sebagai

Salah Satu Alat Transaksi Pembayaran: PendekatanTechnology

Acceptance Model dan Theory Of Planned Behavior. Iqtishaduna,

(1), 64–79.

https://doi.org/https://doi.org/10.20414/iqtishaduna.v9i1.687

Andiko, T. (2016). Konsep Harta dan Pengelolaannya Dalam Alquran.

Al-Intaj, 2(1), 57–70.

https://doi.org/http://dx.doi.org/10.29300/aij.v2i1.1110

Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending

Berbasis Syariah Di Indonesia. TAWAZUN : Journal of Sharia

Economic Law, 1(2), 116–132.

https://doi.org/http://dx.doi.org/10.21043/tawazun.v1i2.4979

Basrowi. (2019). Analisis Aspek Dan Upaya Perlindungan Konsumen

Fintech Syariah. Lex Librum: Jurnal Ilmu Hukum, 5(2), 959–980.

https://doi.org/http://doi.org/10.5281/zenodo.3187539

Darmawansyah, T. T., & Aguspriyani, Y. (2019). Implementasi Fintech

Syariah Di PT Investree Ditinjau Berdasarkan Fatwa Dsn-Mui No:

/Dsn-Mui/II/2018 Tentang Layanan Pembiayaan Berbasis

Teknologi Informasi Berdasarkan Prinsip Syariah. Ad-Deenar: Jurnal

Ekonomi Dan Bisnis Islam, 3(2), 215–222.

https://doi.org/10.30868/ad.v3i2.495

Fachrurrazy, M., & Siliwadi, D. N. (2020). Regulasi Dan Pengawasan

Fintech Di Indonesia: Persfektif Hukum Ekonomi Syariah. AL-

SYAKHSHIYYAH: Jurnal Hukum Keluarga Islam Dan Kemanusiaan,

(2), 154–171. https://doi.org/10.35673/as-hki.v2i2.928

Fadila, A., & Handoyo. (2020). Meski ada corona, industri fintech

syariah makin geliat dalam menyalurkan pembiayaan.

Https://Keuangan.Kontan.Co.Id/.

https://keuangan.kontan.co.id/news/meski-ada-corona-industri-

fintech-syariah-makin-geliat-dalam-menyalurkan-pembiayaan

Fajria, R. N. (2019). Potensi Sinergitas Fintech Dengan Bank Syariah

Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia.

MALIA: Journal of Islamic Banking and Finance, 3(1), 174.

https://doi.org/10.21043/malia.v3i2.8450

Farhan, L. L. (2019). Financial Technologi : Gadai On Demand Dalam

Perspektif Hukum Ekonomi Syariah. Maro; Jurnal Ekonomi Syariah

Dan Bisnis, 2(2), 96–102.

https://core.ac.uk/download/pdf/228885259.pdf

Febriadi, S. R. (2017). Aplikasi Maqashid Syariah Dalam Bidang

Perbankan Syariah. Amwaluna: Jurnal Ekonomi Dan Keuangan

Syariah, 1(2), 231–245.

https://doi.org/10.29313/amwaluna.v1i2.2585

Firdaus, F., Febiola, A., & Faiqoh, S. (2017). Ketegasan Regulasi

Laporan Ketaatan Syariah dalam Optimalisasi Financial Technology

Lembaga Keuangan Syariah. Perisai : Islamic Banking and Finance

Journal, 1(3), 227. https://doi.org/10.21070/perisai.v1i3.1173

Hakim, R., & Irawan, M. D. (2019). Islamic Rulings and Financial

Technology (Fintech): An Analysis on the Relevance and

Implications. Madania, 23(2), 137–146.

https://doi.org/http://dx.doi.org/10.29300/madania.v23i2.2313

Hasibuan, I. H., Tanjung, H., & Ibdalsyah. (2018). Analisis Maqashid

Syariah Pada Indeks Pembangunan Manusia. Kasaba: Journal of

Islamic Economy, 11(1), 88–101.

https://doi.org/10.32832/kasaba.v11i1.2425

Ichwan, A. (2020). Pengaruh Technology Acceptance Model Terhadap

Keputusan Muzakki Membayar Zakat Melalui Fintech Gopay. Jurnal

Ilmiah Ekonomi Islam, 6(2), 129–135.

https://doi.org/10.29040/jiei.v6i2.1011

Indonesia, B. (2018). Mengenal Financial Teknologi. Www.Bi.Go.Id.

https://www.bi.go.id/id/edukasi/Pages/mengenal-Financial-

Teknologi.aspx

Intan, N., & Zuraya, N. (2021). Fintech Syariah akan Fasilitasi

Pendanaan Industri Halal. Https://Www.Republika.Co.Id/.

https://www.republika.co.id/berita/qnp3vj383/emfintechem-

syariah-akan-fasilitasi-pendanaan-industri-halal

Kholifah, N., & Andrianingsih, V. (2020). Peluang dan Tantangan

Implementasi Financial Technology (Fintech) pada Perbankan

Syariah Dalam Meningkatkan Keuangan Inklusif. Ulûmuna: Jurnal

Studi Keislaman, 6(2), 310– 319.

http://ejournal.kopertais4.or.id/madura/index.php/ulumuna

/article/vi ew/4116

Muchlis, R. (2018). Analisis SWOT Financial Technology (Fintech)

Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank

Syariah Di Kota Medan). AT-TAWASSUTH: Jurnal Ekonomi Islam,

(2), 335–357. https://doi.org/10.30821/ajei.v1i1.2735

Muzdalifa, I., Rahma, I. A., & Novalia, B. G. (2018). Peran Fintech

Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia

(Pendekatan Keuangan Syariah). Jurnal Masharif Al-Syariah: Jurnal

Ekonomi Dan Perbankan Syariah, 3(1).

https://doi.org/10.30651/jms.v3i1.1618

Muzlifah, E. (2013). Maqashid Syariah Sebagai Paradigma Dasar

Ekonomi Islam. Economic: Jurnal Ekonomi Dan Hukum Islam, 3(2),

–93. https://core.ac.uk/download/pdf/234800436.pdf

Nafiah, R., & Faih, A. (2019). Analisis Transaksi Financial Technology

(Fintech) Syariah dalam Perspektif Maqashid Syariah. IQTISHADIA:

Jurnal Ekonomi & Perbankan Syariah, 6(2), 167.

https://doi.org/10.19105/iqtishadia.v6i2.2479

Nasution, D. S. (2017). Urgensi Fintech Dalam Kurikulum Pendidikan

Tinggi. Iqtishaduna - Jurnal Ekonomi Syariah, 8(2), 116–129.

Nurfalah, I., & Rusydiana, A. S. (2019). Digitalisasi Keuangan Syariah

Menuju Keuangan Inklusif: Kerangka Maqashid Syariah. Ekspansi:

Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi, 11(1), 55–

https://doi.org/10.35313/ekspansi.v11i1.1205

Puspaningtyas, L., & Murdaningsih, D. (2020). Kendala Utama

Pengembangan Fintech Syariah. Https://Www.Republika.Co.Id/.

https://www.republika.co.id/berita/q4cj9p368/kendala-utama-

pengembangan-emfintech-emsyariah

Puspaningtyas, L., & Zuraya, N. (2020). Pandemi Tingkatkan

Penyaluran Fintech Syariah. Https://Republika.Co.Id/.

https://republika.co.id/berita/qlmvvu383/pandemi-

tingkatkanpenyaluran-fintech-syariah

Rahmawati, L., Rahayu, D. D., Nivanty, H., & Lutfiah, W. (2020).

Fintech Syariah: Manfaat Dan Problematika Penerapan Pada UMKM.

Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah,

(1), 75–90.

https://doi.org/https://doi.org/10.36778/jesya.v3i1.132

Rezkisari, I. (2021). Erick Thohir Diharap Sinergikan BSI dan Fintech

Syariah. Www.Republika.Co.Id.

https://www.republika.co.id/berita/qnfm2w328/erick-thohir-

diharap-sinergikan-bsi-dan-fintech-syariah

Saleh, M., Utari, A., & Wahab, A. (2020). Analisis Penggunaan Fintech

Syariah Perspektif Mashlahah Mursalah (Studi Pada Dana

Syariah.Id). Al-Buhuts, 16(1), 51–66.

https://doi.org/https://doi.org/10.30603/ab.v16i1.1766

Setyaningsih, E. D. (2018). Analisis SWOT Implementasi Financial

Technology Syariah pada PT Telkom Indonesia. Syi`ar Iqtishadi :

Journal of Islamic Economics, Finance and Banking, 2(2), 73.

https://doi.org/10.35448/jiec.v2i2.4386

Wahyuni, R. A. E. (2019). Perkembangan Ekonomi Islam Di Indonesia

Melalui Penyelenggaraan Fintech Syariah. Mahkamah: Jurnal Kajian

Hukum Islam, 4(2), 184–192.

https://core.ac.uk/download/pdf/270192308.pdf

Yarli, D. (2018). Analisis Akad Tijarah Pada Transaksi Fintech Syariah

Dengan Pendekatan Maqhasid. YUDISIA : Jurnal Pemikiran Hukum

Dan Hukum Islam, 9(2).

https://doi.org/10.21043/yudisia.v9i2.4766

Published
2022-04-25
How to Cite
Widiastuty, T. (2022). The Role of Sharia Fintech Based on Maqashid Sharia Perspective. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 6(1), 18-27. https://doi.org/10.24252/al-mashrafiyah.v6i1.25559
Section
AL-MASHRAFIYAH VOLUME 6 NOMOR 1 (2022)
Abstract viewed = 77 times