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Ubaidillah
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Journal : ICO EDUSHA

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Building Digital Trust in Sharia Fintech for Hajj Services Adlha, Wafiroh Dwi; Novanti, Dwi Retno; Ekaningsih, Lely Ana Ferawati; Ubaidillah
ICO EDUSHA Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar
Publisher : STAI AN-NAJAH INDONESIA MANDIRI

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Abstract

This study analyzes the role and implementation of Islamic fintech in building digital trust and optimizing Hajj administration processes, using the Muamalat Digital Islamic Network (DIN) application as a case study. Employing a qualitative case study approach at Bank Muamalat's Genteng Sub-Branch Office, data was collected through methodological triangulation, including direct observation, in-depth interviews with the manager, funding staff, customer service representatives, and prospective pilgrims, as well as document analysis. Data were analyzed interactively through stages of data reduction, data display, and conclusion drawing. The Muamalat DIN application successfully builds digital trust through the convergence of Sharia principles (the wadīah yad dhamānah contract and oversight by the Sharia Supervisory Board) with technological transparency. The application functions as a driver of financial and spiritual inclusion by eliminating geographical barriers and facilitating the fulfillment of maqashid sharia, particularly hifzh ad-din (preservation of faith). High adoption rates are driven by perceptions of usefulness and ease of use, reinforced by community-based religious outreach strategies. A transformation in service culture is demonstrated through the synergy between the digital interface and the ethical values (akhlaq) embedded in customer service. The primary challenges identified are reliance on uneven internet infrastructure and system overload during peak periods. The implementation of Islamic fintech in Hajj services through Muamalat DIN represents a successful paradigmatic transformation that harmonizes Sharia compliance, inclusive technological innovation, and ethical service. Its success in building digital trust and facilitating worship establishes it as a significant model for developing value-based Islamic financial services in the digital era. Keywords : Sharia Fintech, Hajj Administration, Digital Trust.
Co-Authors Abdul Hakam Abdul Isya Abdul Khoir HS Abdul Rohman Abdullah Mahmud Achmad Robith Khusni Adin ADITYA DIMAS WAHYU SASONGKO Adlha, Wafiroh Dwi Agustin, Desy Rahma Ahmad Khoirin Andi Ahmad Muhtadi Anshor, Ahmad Muhtadi Ahmad Zayyadi, Ahmad Ahnan Hasan Marullah Aini Nurul Ajrina Valentine Marhadyta Akbar Hidayatullah, Muhammad Akhris Fuadatis Solikha Ali Wahyudi, Ali Alifarose Syahda Zahra amalia, roviatul Andri Nirwana AN Anggih Dea Pratiwi Anugrah Akbar Arif Hidayat Arif, Muhammad Irfan Azimah, Nasikhatul Baharun , Segaf Bambang Kusharjanta Bobby Ramadani Cahyan, Wulan Dwi Danardono Dwi Prija Tjahjana, Dominicus Daniel Happy Putra DAWAM, AHMAD Dede Nurohman Dede Nurrohman, Dede Delviani Putri, Regina Dendi Nugraha Diasyhuri, Alfian Mahbub Dimas Firmanda Al Riza Dina Indriana Dody Ariawan Dr. Umar Manshur, MA Dwi Aryanti, Savira Dwi Edi Wibowo Eka Verawati, Eka Eko Siswanto Elda Mnemonica Rosadi Erfaliana, Wahyu Evi Latifah Faazal Ulaa Fahruddin Kurdi Gunawan, Syahrul Gunomo Djoyowasito Habibah Zulaiha Haji, Mohammed M. Hana Adzkiya Handika, Erdin Handika Sumarya Hapudin, Muhammad Soleh Harwijayanti, Widyanita HEPNI Hidayat, Ahmad Taufiq Hikmah, Siti Dewi Himawan, Harki Ibnu Nurrahman, Pandu Ika Sasti Ferina, Ika Sasti IMROATUL AZIZAH Inayah, Himmatul Indah Ali, Sayumi Indaswary Moruk, Tri Islamy, Athoillah Kamil, Achmad Muchamad Khasanah, Salsalatul Khoirin Andi, Ahmad Kholilah, Aulia Khomsinnudin Kuncoro Diharjo Latif, Abd Lely Ana Ferawati Ekaningsih Listianah Listianah Lula Wahyu Anindita Luluk Azizah Mahin Ainun Naim Mahmudah, Siti Farihatul Maora, Resta Maolina Maryani Masuwd, Mowafg Abrahem Mayang Dika Ridwan, Sandra Ma’ruf Hidayat Mellinia, Bella Finda Moh Rasidi Moh. Amiril Mukminin Moh. Thohir Muchibbah, Musyi’fatul Mudhofar, Afif Muhammad Aziz Muhammad Heru Hresnawanza Muhammad Rizal Ubaidillah Muhammad Yunus Mukhamad Adzar Mulyanto Mulyati, Ratih Mundir Naal Hira’ Angrheini Nahdliyah, Amirotun Nainggolan, Rut Juniar Nasikhatul Azimah Nasution, Nur Baiti Naufal, Qinthar Alif Nauval Rabbani Nawangsari, Diyah Neneng Roiyatul Muawanah Nida Tsaqila Nisa’ Karimah, Alviyatun Novanti, Dwi Retno Nubzatussaniyyah, Nunu Nunung Suryana Jamin Nur Adi Chandrawan NUR ARIFAH Nur Hayati Nur Hayati Nurul Hayatus Sifa Nurul Kholifah, Siti Pauzan Haryono pengelola pengelola, pengelola Permatasari, Anisa Pradana, Faisal Ghozi Dika Pungkas Prayitno Purnawati, Putri Putri Pratiwi Listianingrum Rachmawati Rahayu, Novi Putri Rahmatullah, M. Riki Rahmawati, Aida Rakhmadi, Handono Ratih Purwanti, Ratih Regina Delviani Putri Ridwan Risma Ayu Kinanti Rizki Alif Ramdhani Robitoh Widiastutik Rohmah, Sisilia Inayatul Roihan Ramadhan, Muhammad Rusindiyanto Ryan Fahmi Hikmat Sahidin samsul arifin Saputra, Alfian Ady Sarah Rum Handayani Sawaluddin Siregar SE. MM., Dr. SUPRIYONO, Shame, Buruhan Haji Singgih Dwi Prasetyo Siti Marpuah, Siti Siti Nurlaela Sofiul Inayah, Nisrina Subakri SUHARTO Syafiul Anam Syahrianti Syam Syarif, Aiman Taufik Tsaqila, Nida Wahyu Erfaliana Wahyu Purwo Raharjo Wenti Ayu Sunarjo Wiananda, Elsa Wizztyo Putri Wijang Wisnu Raharjo Wildan Alan Nuril Huda Wulan Dwi Cahyani Yuli Rohmiyati Yunisa Adri Purwaningsih Zainal Arifin Zainul Qudsi Zakiyyati, Qurrota Ayun Zaqi Mubaraq Zulihi