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All Journal LAW REFORM Journal of Education and Learning (EduLearn) El-Mashlahah JURNAL PENDIDIKAN FISIKA Journal of Indonesian Legal Studies Jurnal Ilmiah Al-Syir'ah JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) JPF : JURNAL PENDIDIKAN FISIKA JUPE : Jurnal Pendidikan Mandala Kosmik Hukum International Journal for Educational and Vocational Studies Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Hutan Tropika Jurnal Teknik Industri Terintegrasi (JUTIN) Jurnal Ecogen JTAM ROTARY Jurnal Industri Pariwisata JURNAL SAINS DAN TEKNOLOGI MARITIM IIJSE Jurnal Tarreang: Tren Pengabdian Masyarakat Agrokompleks An-nisa: Journal of Islamic Family Law
Maruf Maruf, Maruf
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Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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Journal : Jurnal Ilmiah Al-Syir'ah

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Developing Inclusive Regulations for Muslim Disabled Entrepreneurs' Access to Sharia Fintech: Legal and Accessibility Perspectives Noor, Afif; Maruf, Maruf; Mawahib, Muhamad Zainal; Habib, Muhammad Akmal
Jurnal Ilmiah Al-Syir'ah Vol 23, No 1 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v23i1.3194

Abstract

In Indonesia, Muslim persons with disabilities (PwDs) face significant barriers in accessing financial services, including Sharia-based fintech platforms. This study aims to develop inclusive regulatory strategies to enhance their access to Sharia-compliant fintech funding. Employing a normative legal approach and conceptual analysis based on maqashid sharia, the research highlights the lack of integration between digital accessibility standards such as the Web Content Accessibility Guidelines (WCAG) and current Sharia fintech regulations. The findings propose a five-part inclusive strategy grounded in the principles of justice (al-‘adālah), facilitation (al-taysīr), and the removal of hardship (raf' al-ḥaraj): identifying accessibility needs, designing adaptive regulations, enhancing human resource capacity, integrating cross-sectoral policies, and establishing participatory monitoring and enforcement. This framework not only empowers Muslim disabled entrepreneurs within Indonesia but also holds global significance, especially for Muslim minority communities in non-Muslim countries such as China. Indonesia’s experience demonstrates that inclusive Sharia fintech regulations can be framed within universal legal and ethical values, making them adaptable to diverse socio-legal contexts. This study contributes to building a more inclusive and equitable Islamic financial ecosystem that promotes dignity, empowerment, and access for all, particularly those who are socially and economically marginalized.
Co-Authors A.A. Ketut Agung Cahyawan W Abd Samad, Abd Adila, Arina Hukmu Afif Noor ahmad yani Ahriana Ahriana, Ahriana Aisa Rurkinantia Ali Maskur Andi Alfiani saputri, Andi Alfiani Andi Lenny Rahim, Andi Lenny Anwar Saleh Hasibuan Ardani, Maskur Faris Ariansyah Ariansyah, Ariansyah Arifana Nur Kholiq, Arifana Nur Asyhari A Usman, Asyhari A Azisah, Nur Budi Rahmadya Burhan, Abd. Rukman Chairunnisa Chairunnisa Dewi Hikmah Marisda Emawati emawati Ending Solehudin Fadilah, Elka Ginting, Every R Putrita Habib, Muhammad Akmal Hariono Hariono Ibrahim Sijaya, Ibrahim Idamayanti, Reski Isnah Sahriani, Isnah Johari, Muhamad Jumiatun Jumiatun, Jumiatun Kastulani, Mohd Kurniah, St. Mahful, Rafid Marlina Syam, Marlina Masriani . Maulana, Syahrul Maulidia, Dian Mayori, Welda Mentari, Diah Muh. Darwis Muhamad Zainal Mawahib Muhammad Akbar Muhammad Arsyad Muhammad Husni Abdulah Pakarti Multasyam Multasyam, Multasyam Najwah, Najwah Nani Tursina Narantaka, Narantaka Nuraisyah Nuraisyah Nurfadilah Nurfadilah Nurhalisa, Nurhalisa Nurlina Nurlina Patricia, Resti Pranata, Edy Rachmadani, Andi Intan Rahmawati, Rahmawati Rahmi Eka Putri, Rahmi Eka Ramdhani, Deddy Rianawati Rianawati Riandika, Syafiq Riswanto, Habib Adani Saifudin Saifudin Saujan, Iqbal Shakibiciu, Saeideh Sule, Ones Sulistiawati, Sheila Suziana, Suziana Syafrizal Syafrizal Teguh Iman Pribadi Yesriva Nursyam