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All Journal Bulletin of Community Engagement Journal of Islamic Digital Economic and Finance (JIDEF)
Linda Jayanti
Universitas Islam Negeri Jurai Siwo Lampung, Indonesia
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences Other

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Collaboration between Sharia Banks and FinTech: Ethical Challenges and Human Resource Readiness Fajar Budi Utomo; Yovi Kusumadani; Linda Jayanti; Nur Aeni; Agnes Jevi Rialita
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v2i01.383

Abstract

Objective: This article aims to analyze the collaboration between Islamic banks and FinTech, with particular emphasis on ethical challenges and human resources (HR) readiness to support the sustainability of the digital Islamic finance ecosystem. The study explores how technological innovation can be aligned with Sharia principles while maintaining institutional integrity and competitiveness. Method: This study employs a descriptive qualitative approach using a literature review method. Data were collected from Indonesian-language academic journals and scholarly publications related to Islamic banking, FinTech, Islamic business ethics, digital transformation, and human resource development. The collected literature was analyzed thematically to identify major trends, challenges, and opportunities in the integration of Islamic banking and financial technology. Results: The findings reveal that collaboration between Islamic banks and FinTech contributes significantly to improving service efficiency, accelerating financial inclusion, expanding access to Sharia-compliant financial services, and enhancing customer experience. Nevertheless, several challenges remain, including ethical gaps in digital transactions, the risk of Sharia non-compliance, inadequate digital literacy, limited technological capabilities, and insufficient understanding of fiqh muamalah among the human resources involved in digital financial services. Implication: These findings highlight the need to strengthen Islamic business ethics, improve digital competencies, and provide continuous fiqh muamalah training for human resources. Furthermore, Sharia regulation and supervisory mechanisms should be adaptive and responsive to technological developments. Novelty: This article identifies a gap in previous studies by demonstrating that the success of digital collaboration depends not merely on technological adoption but also on the balanced integration of Islamic ethical values, HR readiness that combines digital literacy and fiqh muamalah competencies, and adaptive Sharia governance within the evolving digital financial ecosystem.
Rekonstruksi Konsep Tas’īr Sebagai Instrumen Pengendalian Inflasi Beras Daerah: Studi Kabupaten Lampung Tengah dalam Perspektif Maqāṣid Syarī‘Ah Linda Jayanti
Bulletin of Community Engagement Vol. 6 No. 2 (2026): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v6i2.2595

Abstract

Tas’īr in Islamic economics is generally still discussed at the normative level regarding the permissibility of price fixing, while its relationship with regional inflation dynamics based on empirical data remains limited. Therefore, this study aims to analyze rice price fluctuations in Central Lampung Regency in 2025 and reconstruct the concept of tas’īr as an instrument for regional inflation control from the perspective of maqāṣid sharī‘ah. The case of Central Lampung is important to examine because it is an agrarian region and a rice production center, yet it still experienced rice price volatility during certain periods. This study employs a qualitative method with a normative-empirical approach based on document analysis. The primary data consist of the 2025 Price Development Index (Indeks Perkembangan Harga/IPH), policy reports of the Regional Inflation Control Team (Tim Pengendalian Inflasi Daerah/TPID), and Islamic economics literature. The findings reveal that rice price dynamics occurred in three phases: a stable phase from January to June, a rising phase with inflation peaking in September, and a correction phase in October. Price fluctuations were influenced by natural factors such as weather conditions, irrigation issues, and seasonal demand increases, as well as governance-related factors including inefficient distribution systems and long supply chains. In this context, tas’īr is no longer understood merely as direct price fixing, but rather as a corrective instrument of the state when market distortions occur, through strengthening supply, conducting market operations, maintaining food reserves, supervising distribution, and ensuring transparency of price information. This study emphasizes that the contemporary development of the concept of tas’īr can serve as a foundation for regional inflation control policies that are more just, adaptive, and oriented toward public welfare (maṣlaḥah).
Co-Authors Agnes Jevi Rialita Fajar Budi Utomo Nur Aeni Yovi Kusumadani