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All Journal I-ECONOMICS: A Research Journal on Islamic Economics E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Resona : Jurnal Ilmiah Pengabdian Masyarakat Dinamis : Journal of Islamic Management and Bussiness Syi'ar Iqtishadi Dialektika: Jurnal Ekonomi dan Ilmu Sosial International Journal of Zakat (IJAZ) Review of Islamic Economics and Finance Budimas : Jurnal Pengabdian Masyarakat An-Nawa : Jurnal Studi Islam Journal of Management and Islamic Finance Diponegoro Journal of Islamic Economics and Business el-Amwal At-Thullab : Jurnal Mahasiswa Studi Islam EDUCATE : Journal of Education and Culture Jurnal Keuangan dan Perbankan Syariah Journal of Community Service JURDIASRA ABHATS: Jurnal Islam Ulil Albab Indonesian Journal of Law and Syariah (IJLS) Sociale : Journal of Social and Political Sciences Proceedings National Conference Sisi Indonesia
Mukti, Titania
Sultan Ageng Tirtayasa University
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Bahasa Indonesia: Rancang Bangun Keuangan Syariah Era Digital: Pengembangan Teknologi Finansial Berbasis Ekonomi Syariah Muhammad Abu Raafi; Muhamad Ramadhan Martadinata; Orina Beatrixa; Cahaya Gina; Siti Fadilah Awalyah Winata; Titania Mukti
Jurnal Keuangan dan Perbankan Syariah Vol 4 No 2 (2025): Desember 2025
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v4i2.4663

Abstract

Purpose: This study examines the implementation of Sharia financial principles within the financial technology (fintech) ecosystem and diagnoses critical challenges in the digital transformation of Indonesia's Sharia financial sector. Design/methodology/approach: Using a qualitative literature-based approach, the research compiles data from academic sources (journals, books), industry reports, and relevant online publications on fintech and Sharia finance. Analysis employs descriptive-qualitative methods supplemented by content analysis. Findings: Sharia principles (prohibitions against riba, maysir, and gharar) have been integrated into Sharia fintech models based on contracts such as mudharabah and musyarakah. Sharia fintech demonstrably enhances financial inclusion, particularly for MSMEs. Primary constraints include low digital literacy, infrastructure disparities, and regulatory rigidity in responding to technological innovation. Contribution/Originality/Novelty: The study enriches academic discourse on the convergence of Sharia principles with digital financial innovation. Practically, it proposes policy- and education-based strategies for sustainable Sharia fintech development. The research novelty lies in its comprehensive identification of challenges and formulation of strategic frameworks for Sharia fintech advancement in the digital era.
Co-Authors Affandi, Muhammad Ahmad Ridwan Ahyakudin Ahyakudin Algifari, Salman Aliani, Ani Andriyanto, Gian Anggraeni Andriyanto, Gian Anggraeni Anisa Putri Utami Anisya May Yustitia Aprilia, Aida Artanti, Sazkhia Atiqah Athi Ulhaq Awaliyah, Dillah Awaliyah, Siti Uswatun Cahaya Gina Dewi Santi Febrianti Dini Puspitasari Diqbal Satyanegara Fatatun Malihah Fazzari, Tajul Gebrina Rizki Amanda Gian Anggraeni Andriyanto Harnum Widyaningrum Hasya Mazaya Lathifah Hendrawan Syafrie Hesty Juan Kirana Humairoh, Ghaida Ika Arinia Indriyany Kurniawan, Ogi Mahfud, Alvin Marlia, Sri Muhamad Ramadhan Martadinata Muhammad Abu Raafi Mukhsin, Moh. Nana Nofianti, Nana Nufus Kanani Nur Khumairah Nur Zidta Oktarinanda Nurbaeti, Feby Nurfaiza, Ratu Fathia Nurul Fadhilah Orina Beatrixa Pratama, Amelia Regina, Imelda Rohma, Meisya Ryan Yuniawan Sabatini, Mirela Safri, Rahmat Shabrina, Firnanda Maulidya Siti Fadilah Awalyah Winata Sujai Sujai Saleh Sujai, Sujai Sukamto, Ika Sumiyarsi Sulistiani Indriyastuti Tri Wahyudi Tri Wahyudi Wahyudi Tulasmi Tulasmi Vira Prajna Cantika Virki, Aulia Zahirah Winda Hidayanti Yulianti, Alifia Hanin