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All Journal ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah
Khairunnisa Ibrahim, Elvira
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Religion Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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Analisis Konsep Maslahah Sebagai Prinsip dan Tujuan Ekonomi Islam Khairunnisa Ibrahim, Elvira; Mawardi
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.871

Abstract

Kurangnya pemahaman mendalam dan implementasi komprehensif terkait prinsip maslahah dalam kerangka sistem ekonomi Islam adalah masalah fundamental yang ditelaah dalam penelitian ini. Untuk mengatasinya, dilakukan eksplorasi mendalam mengenai konsep dasar maslahah, berbagai klasifikasinya, hubungannya yang kompleks dengan maqashid syariah (tujuan syariah), dan dampak signifikan maslahah terhadap tujuan-tujuan yang diupayakan oleh ekonomi Islam. Metode penelitian yang diterapkan adalah tinjauan pustaka mendalam dan analisis deskriptif rinci terhadap beragam literatur yang relevan dengan ekonomi Islam. Temuan penelitian ini menunjukkan bahwa maslahah adalah prinsip fundamental yang memainkan peran krusial dalam mendorong terwujudnya keadilan, peningkatan kesejahteraan, dan keberlanjutan dalam aktivitas produksi, distribusi, dan konsumsi. Hal ini menegaskan bahwa implementasi maslahah yang efektif memiliki potensi untuk mengoptimalkan pencapaian tujuan keseluruhan ekonomi Islam, sekaligus meningkatkan maslahah (kebaikan dan kesejahteraan) masyarakat luas.
Inovasi dan Penguatan Ekosistem Fintech Syariah di Indonesia: Studi Kasus Crowdfunding dan P2P Lending Syariah di Indonesia Khairunnisa Ibrahim, Elvira; Albahi, Muhammad; Andrini, Rozi
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 6 No. 2 (2025): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital transformation has driven significant growth in Indonesia’s Islamic finance industry. Through innovations in financial technology (fintech), Sharia-based financial services have become more inclusive, efficient, and transparent. This study aims to analyze the forms of Sharia financial product innovations based on fintech, particularly in the models of crowdfunding and Sharia peer-to-peer (P2P) lending, as well as to identify the challenges and strategies for strengthening its ecosystem. The research employs a literature review method with a descriptive-comparative approach, drawing from various academic publications, reports from the Financial Services Authority (OJK), and data from the Indonesian Sharia Fintech Association (AFSI). The findings show that Sharia fintech plays a strategic role in expanding access to halal financing for MSMEs through mechanisms such as mudharabah, musyarakah, and qardh hasan. However, challenges remain in the form of low Islamic financial literacy, limited regulations and human resources, and weak public trust in fund management transparency. Strengthening strategies required include regulatory harmonization and contract standardization, enhancement of Sharia digital literacy, technological innovation through blockchain and smart contracts, and cross-sector collaboration among regulators, academics, and industry players. With the implementation of these strategies, Indonesia’s Sharia fintech ecosystem has the potential to become an inclusive, equitable, and sustainable Islamic financial model aligned with the values of maqāṣid al-sharī‘ah.
Co-Authors Albahi, Muhammad ANDRINI, ROZI Mawardi