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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Paradigma Ekonomika ASAS : Jurnal Hukum Ekonomi Syariah Al-Ulum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) TEKNOLOGI INFORMASI EQUILIBRIUM Teorema: Teori dan Riset Matematika Jurnal INTECH Teknik Industri Universitas Serang Raya Mawaizh : Jurnal Dakwah dan Pengembangan Sosial Kemanusiaan Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekonomi Pembangunan Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal ABDIMAS (Pengabdian kepada Masyarakat) UBJ Telcomatics Jurnal Terapan Manajemen dan Bisnis Al-Mashrof: Islamic Banking and Finance Jurnal Tunas Agraria Jurnal Manajemen Pendidikan Al Hadi Jurnal Pengabdian Masyarakat (ABDIRA) Counselle | Journal of Islamic Guidance and Counseling GEOGRAPHIA: Jurnal Pendidikan dan Penelitian Geografi ProBisnis : Jurnal Manajemen Indonesian Journal of Educational Development (IJED) Study & Management Research International Journal of Green Tourism Research and Applications Best Journal of Administration and Management Journal of Islamic Economics Lariba Jurnal Indonesia Sosial Sains KENDALI: Economics and Social Humanities Cerdika: Jurnal Ilmiah Indonesia Journal of Economics and Social Sciences Jurnal Inovasi Pengabdian dan Pemberdayaan Masyarakat Jurnal Multidisiplin West Science Asas wa Tandhim: Jurnal Hukum, Pendidikan, dan Sosial Keagamaan COREAI: Jurnal Kecerdasan Buatan, Komputasi dan Teknologi Informasi Indo-Fintech Intellectuals: Journal of Economics and Business AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam JICS : Journal Of International Community Service Journal of Contemporary Law Studies Contemporary Society and Politics Journal Mitsaqan Ghalizan Proceeding Of International Conference On Education, Society And Humanity International Journal of Islamic Business and Economics (IJIBEC) J-CEKI Lembaran Ilmu Kependidikan Balance: Jurnal Ekonomi
ahmad habibi
FIA-Brawijaya University
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Journal : Best Journal of Administration and Management

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Challenges of Sharia Compliance Audits in Islamic Banking: An Analysis of Fintech Developments in Indonesia Andriani, Yulia; Habibi, Ahmad; Fasa , Muhammad Iqbal
Best Journal of Administration and Management Vol 4 No 2 (2025): Best Journal of Administration and Management
Publisher : International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/bejam.v4i2.373

Abstract

Digital transformation has encouraged Islamic banking in Indonesia to integrate financial technology (Fintech) to improve efficiency and competitiveness. This study aims to examine the application of fintech in Islamic banking, its impact on sharia compliance, and evaluate the effectiveness of supervision in the digital age. This study uses a library approach with qualitative content analysis, as well as the theoretical framework of diffusion of innovation and Islamic financial law. The study found that although Fintech facilitates the implementation of Sharia principles through profit-sharing/buying and selling schemes and contract transparency, there are tensions between digital automation and Sharia accountability that could potentially lead to violations of Islamic principles if oversight is not strict. Therefore, the study concludes that there is an urgent need to develop a digital Sharia audit framework that is capable of performing a Sharia-compliant test directly on the system's source code, as well as encouraging collaborative innovation to embed compliance tools into the core of the technology.
Co-Authors Abdul Malik Ghozali Abidin , Noor Azliza Zainal Adib Fachri Adip Wahyudi Afani Adam, Muhammad Agus Kurniawan Aina, Siti Irma Nur Akbar, Tulus Rizkon Akhmad Muhaini Ali, Muhamad Rayhan Aminuyati Anggraini, Afni Anis Mashdurohatun Ansharil Haq, Ramiz Antonius Duty Susilo, Antonius Duty Apriyanti, Rizky Ariani, Dera Arifin, Barmawi Atika, Ria Attalla, Yasser Naufal Azis, M. Abdul Aziz, Fawwaz Baehaqi, Faisal Dewi Santi, Asmita Dina Pratiwi, Dina Eddy Haryanto Eko Satrio, Muhammad Bagus Elviani, Elviani Erike Anggraeni Eristadora, Stephanie Evi Ekawati Fathurrozi, Ahmad Fatih Fuadi Firdasari, Nurshiva Gustika Nurmalia Hanif Hanif Husnul Madihah, Husnul Iffah, Nur Imam Arifin Indra Kusuma, Abdul Haris Irfan, Hidayad Iwang, Baso Jannah, Raodahtul Jayawarsa, A.A. Ketut Kristanti, Anggita Retno Kurniawan, Hafidz Kustanto , Prio Lidiawati Lince Bulutoding Luqman Affandi Lutfi, Mufti Maisaroh, Neng MANALU, TRIANA Masrawati, Masrawati Maulana, Bintan Meiliyani, Eci Moh. Mukri Mohammad Basit, Mohammad Muhammad Daffa Hariyanto Muhammad Iqbal Muhammad Iqbal Fasa Muhammad Kurniawan Muhammad Noor Shaleh Muhammad Wahdini Nathanael, Christian Nazira, Aliya Nita Susanti, Dian Normasyhuri, Khavid Novita, Selpy Nur Aisah Nur Rahmah Sari Nurhidayah, Wulan Pajar, Muhammad Malik Pamungkas, R Wisnu Prio Primandani, Rr Siti Masrihati Rahmat, Rahmat Robani Rahmawati, Isnaini Ayu Rahminah, Rahminah RB. Tri Joko Wibowo Sabella, Billy Saepurohman, M. Saifullah, Fu’ad Saldilawaty, Saldilawaty Samsul Arifin Santoso Sari, Erni Puspita Sayyidati, Rabini Setiawan, Akemat Rio Shafira, Alfina Shinta, Nabilla Silvia, Novi Sirajuddin Sirajuddin Suciani, Noer Sugeng Utaya Sugianta Nirawana, I Wayan Suhendar Supriyadi Supriyadi Syafiq, Muhammad Zaky Syahidin, Ahsanu Syamsul Arifin Syariati, Namla Elfa Syarif, Hazas Syarif, Nawaz Tiyas Vika Widyastuti Uswatun Hasanah Utami, pertiwi Vicky F Sanjaya Vonny, Gabriela Angle Wahyu Setiawan Wardiansyah Yeni Susanti Yulia Andriani, Yulia Yunita Prastyaningsih Zahratul Husna, Ulfa Zainal, Ghaliah Jalwaa Insyrah Zainul Arifin Zurweni Zurweni