Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Al-Wajih: The Journal of Islamic Studies Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Zainul Alim
UIN Siber Syekh Nurjati Cirebon
Religion Humanities Education Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Islamic Fintech Contracts and Regulation in Indonesia: Online Lending, Pay Later, and Sharia Cards Zainul Alim; Luqmanul Hakim; Ali Abdullah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 11 No. 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/skemew68

Abstract

The rapid growth of financial technology (fintech) in Indonesia has accelerated the development of Islamic digital financial products, including sharia peer-to-peer (P2P) lending, sharia pay-later services, and sharia credit cards. However, studies examining their contractual structures and regulatory frameworks from the perspective of Islamic law remain limited. This study employs a qualitative-descriptive approach based on library research. Data were collected from DSN-MUI fatwas, regulations issued by the Financial Services Authority (OJK) and Bank Indonesia, and relevant academic literature. The data were analyzed using content analysis to examine the contracts (akad) and regulatory provisions governing Islamic fintech products in Indonesia. The findings reveal that Islamic P2P lending applies qardh, wakalah, and ijarah contracts, while sharia pay-later services generally utilize murabahah and ijarah muntahiyah bi al-tamlik. Sharia credit cards are based on a combination of kafalah, qardh, and ijarah. Unlike conventional pay-later systems that involve interest-based charges, sharia schemes employ transparent profit margins to avoid riba. Although DSN-MUI fatwas provide a fundamental basis for sharia compliance, regulatory supervision and sharia governance mechanisms require further strengthening. Therefore, stronger coordination among OJK, Bank Indonesia, and DSN-MUI is necessary to ensure compliance with Islamic legal principles and the objectives of maqashid al-shariah.
Integrasi Teknologi Financial (Fintech) Dalam Fundraising Zakat Di Indonesia Lian Fuad; Zainul Alim; Abdul Hakim
Al-Wajih: The Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Sekolah Tinggi Ilmu Tarbiyah Buntet Pesantren

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54213/alwajih.v2i1.626

Abstract

Abstrak Perkembangan teknologi finansial (fintech) di Indonesia telah membuka peluang baru dalam optimalisasi pengelolaan dana zakat, khususnya pada aspek penghimpunan atau fundraising. Penelitian ini bertujuan untuk mengeksplorasi secara mendalam bagaimana integrasi fintech dapat memperkuat sistem zakat nasional, baik dari sisi aksesibilitas pembayaran, efisiensi manajemen, hingga transparansi penyaluran dana. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif, dengan teknik pengumpulan data melalui studi pustaka dan studi kasus pada lembaga-lembaga amil zakat nasional seperti Dompet Dhuafa dan Rumah Zakat. Hasil penelitian menunjukkan bahwa implementasi fintech melalui aplikasi mobile, dompet digital, QRIS, serta teknologi blockchain dan sistem pelaporan real-time telah secara signifikan meningkatkan partisipasi muzakki, khususnya dari kalangan generasi muda dan masyarakat urban. Media sosial juga menjadi elemen pendukung yang efektif dalam membangun engagement dan kepercayaan publik terhadap lembaga zakat. Meski demikian, terdapat tantangan besar dalam aspek literasi digital masyarakat, ketimpangan infrastruktur teknologi di berbagai daerah, serta belum adanya regulasi yang secara utuh mengatur pengelolaan zakat berbasis digital dalam perspektif syariah. Kata kunci: fintech, zakat digital, fundraising zakat, transparansi, literasi digital
Co-Authors Abdul Hakim Ali Abdullah Lian Fuad Luqmanul Hakim