Issue

Vol. 12 No. 1 (2025): June

Date Log

Submitted
11 February 2025
Accepted
30 June 2025
Published
30 June 2025

Copyright (c) 2025 Suad Fikriawan Suad (Author)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Maqasid Shariah Parameters to Re-Design Policy Performance Fintech Lending Sharia in Indonesia

https://doi.org/10.24252/minds.v12i1.55395
Suad Fikriawan
IAIN Ponorogo, Indonesia
Faisal Bin Husen Ismail
Universiti Tun Hussein Onn Malaysia, Malaysia
Siti Nur Mahmudah
IAIN Ponorogo, Indonesia
Amila Amila
IAIN Ponorogo, Indonesia

Corresponding Author(s) : Suad Fikriawan

[email protected]

Jurnal Minds: Manajemen Ide dan Inspirasi, Vol. 12 No. 1 (2025): June

Abstract

This study scrutinizes the integration of Sharia principles within Indonesia’s burgeoning fintech sector, zeroing in on the regulatory levers that shape compliance and public trust. Its academic contribution is to forge a Maqasid-al-Sharia
policy framework that ties doctrinal objectives to concrete supervisory tools and technological safeguards. Drawing on in-depth interviews with regulators, platform executives, and scholars, we expose three stubborn frictions: shallow consumer literacy, fragmented oversight, and ad-hoc adoption of transparency technologies. We show how blockchain-based audit trails and tiered disclosure standards can seal these gaps while preserving Islamic ethical mandates. The evidence recasts regulators from passive gatekeepers to active market architects, offering a blueprint for rule-making that ignites Sharia-compliant innovation and shields borrowers from predatory practices.

 

Keywords

Maqasid Syariah, Fintech lending Syariah, as-Syatibi
Fikriawan, S., Ismail, F. B. H., Mahmudah, S. N., & Amila, A. (2025). Maqasid Shariah Parameters to Re-Design Policy Performance Fintech Lending Sharia in Indonesia. Jurnal Minds: Manajemen Ide Dan Inspirasi, 12(1), 375–382. https://doi.org/10.24252/minds.v12i1.55395
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Author Biographies

Suad Fikriawan, IAIN Ponorogo

Faculty of Economics

Faisal Bin Husen Ismail, Universiti Tun Hussein Onn Malaysia

Center for General Studies and Curricula

Siti Nur Mahmudah, IAIN Ponorogo
Fakultas Ekonomi dan Bisnis Islam
Amila Amila, IAIN Ponorogo
Fakultas Ekonomi dan Bisnis Islam
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