Jurnal Tana Mana
Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)

Transformation of Sharia Supervision in the Digital Islamic Financial Ecosystem: Challenges and National Policy Directions

Ermiati, Ermiati (Unknown)



Article Info

Publish Date
26 Sep 2025

Abstract

The digital transformation in the Islamic finance industry presents complex challenges to the effectiveness of the Islamic supervisory system. This study aims to analyze the strategic role of the Islamic Supervisory Board (SSB) in the digital financial ecosystem and identify key challenges and policy directions needed to strengthen its supervisory function. The research uses a qualitative approach with descriptive methods and case studies based on secondary literature, encompassing national regulations, policy reports, and recent scientific articles. Key findings indicate that the SSB faces structural, regulatory, and technological constraints that impact its supervisory effectiveness, particularly in the face of developments in financial technology such as Islamic fintech and digital banking. The lack of specific regulations, low technological literacy among SSB members, and limited institutional capacity hinder adaptive supervisory integration. The study also highlights the importance of utilizing real-time audit technology and strengthening regulations based on the principles of maqasid sharia to support the sustainability of the digital Islamic financial system. The study's conclusions emphasize that strengthening Islamic supervision in the digital era requires regulatory reform, increased human resource capacity, and technology integration based on Islamic governance principles. This study has implications for policy design and the development of an innovative and sustainable Islamic supervisory system.

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Journal Info

Abbrev

IJoASER

Publisher

Subject

Law, Crime, Criminology & Criminal Justice

Description

The Court Journal contains themes that are generally related to issues of Islamic Law and Legal Studies both in Indonesia and throughout the world. The following are some themes that can be illustrated in the Court Journal article: Islamic law, Islamic Economic Law,Islamic Criminal Law, Marriage and ...