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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah
Anom Garbo
Universitas Islam Indonesia
Economics, Econometrics & Finance Social Sciences

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Assessing Green and Shariah Claims: Dual Accountability in Green Islamic Fintech Anom Garbo; Joko Setyono; Anik
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i4.32760

Abstract

This study aims to formulate a conceptual framework for rereading green finance -based Islamic FinTech through the perspectives of Islamic Ecotheology, maqāṣid al-sharī'ah, and sustainability governance. Using a narrative literature review, this study synthesizes fragmented literature on Islamic FinTech, green finance, greenwashing, shariah governance, ecological governance, Islamic Ecotheology, and maqāṣid al-sharī'ah. The results of the study indicate that Islamic FinTech is still largely understood within a legal technical framework, particularly regarding service efficiency, financial inclusion, and contract compliance. At the same time, green finance faces the risk of greenwashing when green claims are not accompanied by evidence of impact. In the context of Islamic FinTech, this issue develops into a double legitimacy risk because green claims can meet with sharia claims that are not necessarily oriented towards maqāṣid. This study proposes shariah ecological governance as a conceptual framework that connects shariah screening, ecological screening, maqāṣid assessment, impact reporting, digital traceability, ecological shariah audit, and stakeholder accountability. The study's primary contribution lies in shifting the understanding of Islamic FinTech from a transaction platform to a maqāṣid- based impact accountability regime and ecological responsibility.
Co-Authors Anik Joko Setyono