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All Journal AT-Tahdzib: Jurnal Studi Islam dan Muamalah At-Tahdzib: Jurnal Studi Islam dan Muamalah
Moh Ulumuddin
Sekolah Tinggi Agama Islam At-Tahdzib Jombang
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Orientasi dan Perkembangan Regulasi Perbankan Syariah Moh Ulumuddin
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 6 No 2 (2018): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

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Abstract

Banking regulation in command (UU No 14 years 1967 on banking points up to the last regulation of UU No 21 year 2011 on OJK, so that there is a clear description of the history of regulatory developments Sharia banking. The presence of Sharia banks in the midst of conventional banking is at least two main reasons concerning the background of the establishment of Sharia banks, namely: first, from the legal aspect, the view that the interest in the conventional bank The law is unlawful because it belongs to the category of Riba forbidden in religion, not only on the religion of Islam but also by other religious religions; Secondly, from the economic aspect, the surrender of business risk to one party is judged to violate the norms of justice and can cause selfishness.
Analysis of Securities Crowdfunding from the Perspective of Maqashid Al-Shari'ah Ulumuddin, Moh.
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 12 No 2 (2024): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/at-tahdzib.v12i2.435

Abstract

Background. Shari’ah fintech has great potential to promote financial inclusion and improve access to financial services that comply with Islamic principles. The challenges in financial literacy, regulation, and Shari’ah compliance still need to be addressed to maximize this potential. Aim. This study aims to describe and analyze the implementation of fintech in Shari’ah-compliant securities crowdfunding in Indonesia and evaluate its alignment with the principles of Maqashid al-Shari’ah. Method. The research employs a descriptive-analytical approach with a qualitative method. Primary data sources include literature, regulations issued by the Otoritas Jasa Keuangan (OJK), and industry reports related to Shari’ah fintech. Data collection is conducted through document studies, analyzing relevant regulatory and industry documents. The data is analyzed using thematic analysis to identify patterns and key themes. Result. The implementation of Shari’ah fintech in Indonesia generally aligns with the core objectives of Maqashid al-Shari’ah, namely the protection of religion, life, intellect, lineage, and wealth. Shari’ah fintech platforms successfully avoid elements of riba (interest), gharar (uncertainty), and maysir (speculation), adopting financing models like mudharabah and musyarakah. However, several challenges remain, including inconsistent regulations, cybersecurity issues, inadequate technological infrastructure, and low public financial literacy regarding Shari’ah fintech. To enhance transparency and security, technologies like blockchain and smart contracts are recommended.
Co-Authors Ali Audah Ansori, Ahmad Insya