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All Journal Al-Zayn: Jurnal Ilmu Sosial & Hukum Media Hukum Indonesia (MHI)
Darmawati H
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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Implementasi Maqashid as-Syariah dalam Industri Takaful: Analisis Konseptual dan Praktis di Indonesia Erniawati, Erniawati; Nasrullah Bin Sapa; Darmawati H; Mohamad Subli
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 5 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i5.2320

Abstract

Penelitian ini mengkaji konseptualisasi dan implementasi maqashid as-syariah dalam industri takaful Indonesia melalui metode penelitian kepustakaan kualitatif. Studi menganalisis sumber primer meliputi Al-Quran, Hadis, dan fatwa DSN-MUI, serta literatur akademik sekunder. Analisis konseptual mengungkapkan bahwa maqashid as-syariah menyediakan fondasi filosofis komprehensif melalui lima tujuan esensial: pemeliharaan agama, jiwa, akal, keturunan, dan harta, yang terstruktur dalam level hierarkis dharuriyyat, hajiyyat, dan tahsiniyyat. Temuan menunjukkan bahwa takaful memiliki keselarasan konseptual kuat dengan prinsip maqashid melalui mekanisme ta'awun dan tabarru' yang mengeliminasi riba, maysir, dan gharar. Namun, implementasi mengungkap kesenjangan signifikan: kepatuhan formalistik yang mengutamakan prosedur daripada dampak substantif, konflik kepentingan operasional, transparansi terbatas, fokus tidak proporsional pada pemeliharaan harta sambil mengabaikan dimensi maqashid lainnya, dan inklusi finansial tidak memadai bagi kelompok rentan. Penelitian menegaskan bahwa efektivitas operasional menuntut pendekatan transformatif berbasis maqashid, regulasi standar, kompetensi praktisi, dan pergeseran paradigma menuju orientasi tujuan berlandas etik.  
Islamic Fintech in Indonesia: Between Innovation and Sharia Compliance Muh. Sa’ad Said; Jumriani J; Nasrullah bin Sapa; Darmawati H
Media Hukum Indonesia (MHI) Vol 4, No 1 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17879875

Abstract

Sharia Fintech represents a digital financial innovation that integrates technology with Islamic principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling). This study analyzes the legal framework and Sharia compliance of fintech in Indonesia through a juridical-normative approach to OJK (Financial Services Authority) regulations and DSN-MUI (National Sharia Council–Indonesian Ulema Council) fatwas. The findings indicate that the application of Maqashid al-Shariah, particularly Hifz al-Mal (protection of wealth) and Hifz al-Din (protection of religion), serves as a crucial foundation for the development of fair and sustainable Sharia fintech. Although regulations such as OJK Regulations No. 3 and No. 26 of 2024, along with DSN-MUI Fatwa No. 117, have provided essential guidelines, there remains a gap between the ideality of fatwas and digital practices—especially in the implementation of the Murabahah contract. Therefore, institutional synergy and the strengthening of technology-based Sharia compliance governance are required to ensure a balance between innovation and Islamic principles.
Co-Authors Erniawati, Erniawati Jumriani J Mohamad Subli Muh. Sa’ad Said Nasrullah Bin Sapa