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All Journal Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Jurnal Istiqro' Proceedings of Annual Conference for Muslim Scholars ICO EDUSHA Jurnal Perbankan Syariah Darussalam (JPSDa) Electronic Journal of Education, Social Economics and Technology Engagement: Jurnal Pengabdian Kepada Masyarakat Proceeding of International Conference on Humanity Education and Society ALAINA: Jurnal Pengabdian Masyarakat Jurnal Humaniora, Ekonomi Syariah dan Muamalah Jurnal Ekonomi Syariah Darussalam (Jesdar)
Aini, Aula Izatul
Universitas KH Mukhtar Syafaat Banyuwangi, Jawa Timur, 68485
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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PENGALAMAN PENGGUNA FINTECH SYARIAH DALAM PERSPEKTIF MAQASID AL-SHARI’AH: INKLUSI KEUANGAN DAN PEMBANGUNAN BERKELANJUTAN Tri Nadhirotur Roifah; Aula Izatul Aini
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 2 (2026): Agustus 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v7i2.5531

Abstract

Introduction: The advancement of digital financial technology has made Islamic fintech an increasingly relevant financial service option for Muslim communities, particularly MSMEs and groups with limited access to formal financial institutions. Nevertheless, digital convenience does not necessarily guarantee fairness, security, transparency, or user welfare. Objective: This study aims to explore how communities experience and interpret Islamic fintech and to examine the role of Maq??id al-Shar??ah in promoting financial inclusion and sustainable economic development. Method: A qualitative approach with an exploratory case study design was employed. Data were gathered through in-depth interviews, observations, and document analysis. Participants were selected using purposive sampling, while the collected data were examined through reflexive thematic analysis guided by the Maq??id al-Shar??ah perspective. Results: The analysis identified four major themes: accessibility of financial services, trust and transparency, user literacy and protection, and economic benefits and sustainability. The findings indicate that the availability of digital financial access does not necessarily lead to substantive financial inclusion. User experiences are also shaped by digital literacy, understanding of contracts, service security, information transparency, and infrastructure availability. Conclusion: Islamic fintech should therefore be assessed not merely in terms of Sharia compliance, but also through its Maq??id-based impact, particularly its ability to provide asset protection, fairness, accessibility, and tangible benefits for users. Strengthening financial literacy, transparency, user protection, and equitable access is essential to enhance the contribution of Islamic fintech to economic empowerment and sustainable development.
Co-Authors A, Komarudin Ahmad Munib Syafa'at Aushofun Niha Biati, Lilit Bibit Wahyudi Binti Roudhotul Fitri Della Dwi Rosita Devi Wahyuningtyas Diyah Ayu Pratiwi Dwi Julaidah Dwi Retno Novanti Eko Budiywono Hanin Khofifah Hanin Khofifah Imam Khusnudin Imroatul Mutiah Indana Almas Azhar Irawati, Tri Novita Khaudli, Muhammad Imam Komarudin A Komarudin A Komarudin A Komarudin A Komarudin A. Lely Ana Ferawati Ekaningsih M. Alaika Nasrulloh Muhammad Imam Khaudli Muhammad Kanzul Fikri Munawir Munawir Nur Anim Jauhariyah Nurul Inayah Pratiwi, Diyah Ayu Ribut Suprapto Rosita, Della Dwi Sofi Faiqotul Hikmah Suprapto, Ribut TRI NADHIROTUR ROIFAH Umi Robiatul Ngijah Wahyu Ferliansyah Wiwit Mustafidah, Wiwit