KEBIJAKAN INVESTASI SYARIAH BERBASIS MAQASHID SYARIAH DI ERA DIGITALISASI EKONOMI

Abstract

Abstrak

Perkembangan teknologi digital telah mengubah pola aktivitas ekonomi global, termasuk dalam sektor investasi syariah. Digitalisasi ekonomi menghadirkan peluang besar berupa akses investasi yang lebih luas, efisiensi transasksi, dan pertumbuhn instrument keuangan syariah berbasis teknologi. Namun demikian, perkembangan tersebut juga menimbulkan tantangan baru berupa spekulasi digital, praktik investasi digital, ketimpangan informasi, serta lemahnya literasi keuangan syariah masyarakat. Penelitian ini bertujuan untuk menganalisis kebijakan investasi syariah berbasis maqashid syariah di era digitalisasi ekonomi. Metode penelitian ini yang digunakan adalah penelitian kualitatif dengan pendekatan studi pustaka melalui analisis berbagai jurnal ilmiah, regulasi, dan literatur ekonomi Islam lima tahun terakhir. Hasil penelitian ini menunjukkkan bahwa implementasi maqashid syariah dalam kebijakan investasi digital sangat penting untuk menjaga keseimbangan antara keuntungan ekonomi dan kemaslhatan sosial. Prinsip perlindungan agama (hifz al-din), perlindungan jiwa (hifz al-nafs), perlindungan akal (hifz al-‘aql), perlindungan keturunan (hifz al-nasl), dan perlindungan harta ( hifz al-mal) menjadi fondasi utama dalam penyusunan kebijakan investasi syariah, dan regulator memiliki peran strategis dalam membangun ekosistem investasi digital yang adil, transparan, aman, dan sesuai syariat. Penelitian ini menyimpulkan bahwa kebijakan investasi syariah berbasis maqashid syariah mampu menjadi Solusi dalam menghadapi tantangan digitalisasi ekonomi sekaligus mendorong pembangunan ekonomi berkelanjutan.

Kata Kunci: Digitalisasi Ekonomi, Ekonomi Islam, Investasi Syariah, Maqashid Syariah.

Abstract

The development of digital technology has changed the pattern of global economic activity, including in the sharia investment sector. Economic digitalization presents great opportunities in the form of wider investment access, transaction efficiency, and the growth of technology-based Islamic financial instruments. However, these developments also pose new challenges in the form of digital speculation, digital investment practices, information inequality, and weak Islamic financial literacy in the community. This research aims to analyze sharia investment policies based on sharia maqashid in the era of economic digitalization. The research method used is qualitative research with a literature study approach through the analysis of various scientific journals, regulations, and Islamic economic literature in the last five years. The results of this study show that the implementation of sharia maqashid in digital investment policies is very important to maintain a balance between economic benefits and social benefits. The principles of religious protection (hifz al-din), life protection (hifz al-nafs), intellectual protection (hifz al-'aql), protection of descendants (hifz al-nasl), and property protection (hifz al-mal) are the main foundations in the formulation of sharia investment policies, and regulators have a strategic role in building a digital investment ecosystem that is fair, transparent, safe, and in accordance with sharia. This study concludes that sharia investment policies based on sharia maqashid can be a solution in facing the challenges of economic digitalization while encouraging sustainable economic development.

Keywords: Digitalization of the Economy, Islamic Economics, Sharia Investment, Sharia Maqashid.