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PERAN FINTECH DALAM MENDUKUNG EFISIENSI DAN TRANSPARANSI PASAR MODAL SYARIAH Nurlisa Safitri; Andi Lisa Aryani Hamjan; Bustan Ramli; Sitti Nikmah Marzuki
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 17 No. 2 (2025): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v17i2.14493

Abstract

The development of financial technology (fintech) has had a significant impact on the global financial system, including strengthening the growth of the Islamic capital market in Indonesia. This study aims to analyze how fintech plays a role in increasing the efficiency and transparency of the Islamic capital market while remaining based on Islamic principles. The method used is a qualitative approach through library research, reviewing various literature, scientific journals, and relevant legal documents. The results show that fintech integration contributes to increased efficiency by accelerating transaction processes, reducing operational costs, and expanding investor access to digital financial services. Furthermore, fintech also strengthens the transparency of the Islamic capital market by providing a blockchain-based recording and reporting system that is open, accurate, and verifiable in real time, in line with the values ​​of trust and justice in Islamic transactions. Thus, fintech not only plays a role as a financial technology innovation but also as an instrument for strengthening Islamic values ​​through the application of the principles of honesty, openness, and responsibility in Islamic capital market activities in Indonesia.
Mengungkap Tabir Kejahatan Promosi Digital Produk Kesehatan dan Kecantikan Dalam Perspektif Ekonomi Syariah Andi Rezky Nur Aziza; Nurlisa Safitri; Muhammad Fakhri Amir
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v7i2.4233

Abstract

Perkembangan teknologi pada era digital ini telah membuka peluang besar bagi pelaku usaha di bidang kesehatan dan kecantikan untuk memasarkan produknya secara lebih luas, cepat, dan efektif. Melalui media sosial, marketplace, dan platform digital lainnya, strategi promosi menjadi semakin variatif dan agresif. Namun, kemajuan ini juga disertai dengan munculnya praktik-praktik promosi yang tidak etis seperti overclaim (klaim berlebihan) dan penggunaan testimoni palsu, yang dapat mengarah pada bentuk penipuan (tadlīs) dan ketidakjelasan informasi (gharar) dalam transaksi. Penelitian ini bertujuan untuk mengidentifikasi bentuk-bentuk kejahatan promosi digital dalam sektor kesehatan dan kecantikan, serta menganalisisnya dari perspektif ekonomi syariah. Metode yang digunakan adalah pendekatan kualitatif deskriptif, dengan teknik pengumpulan data melalui wawancara mendalam kepada pelaku usaha, konsumen, dan pakar ekonomi syariah, serta didukung oleh studi pustaka yang relevan. Hasil penelitian menunjukkan bahwa praktik promosi yang menyesatkan tidak hanya merugikan konsumen secara ekonomi dan psikologis, tetapi juga menyalahi prinsip-prinsip dasar dalam ekonomi Islam. Nilai-nilai seperti kejujuran (ṣidq), kejelasan informasi (bayān), dan tanggung jawab (amānah) harus dijadikan dasar dalam setiap kegiatan promosi. Oleh karena itu, dibutuhkan peran aktif dari lembaga keagamaan, pemerintah, dan akademisi dalam melakukan edukasi, pengawasan, serta pembinaan terhadap pelaku usaha dan influencer agar praktik promosi dapat berjalan secara etis, transparan, dan sesuai dengan nilai-nilai syariah.   Abstract. The advancement of digital technology has opened significant opportunities for entrepreneurs in the health and beauty sectors to market their products more broadly, quickly, and effectively. Through social media, online marketplaces, and other digital platforms, promotional strategies have become increasingly varied and aggressive. However, this progress is also accompanied by the emergence of unethical promotional practices such as overclaiming and the use of fake testimonials, which may lead to fraud (tadlīs) and information ambiguity (gharar) in transactions. This study aims to identify various forms of digital promotional misconduct in the health and beauty industry and analyze them from the perspective of Islamic economics. A descriptive qualitative method was used, involving in-depth interviews with business actors, consumers, and Islamic economics experts, supported by relevant literature studies. The results show that misleading promotional practices not only harm consumers economically and psychologically but also violate the fundamental principles of Islamic economics. Values such as honesty (ṣidq), clarity of information (bayān), and trustworthiness (amānah) must serve as the foundation for all marketing activities. Therefore, active roles from religious institutions, government bodies, and academics are needed to provide education, supervision, and guidance for business actors and influencers so that product promotion can be conducted ethically, transparently, and in accordance with Islamic values.