Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Inklusi Keuangan Syariah Bagi Penyandang Disabilitas dalam Perspektif Maqashid Syariah

Fatkur Huda Fatkur (Universitas Muhammadiyah Surabaya)
Dikky Syadqomullah Syadqomullah (Unknown)
Anzal Atsmara Azis Azis (Universitas Muhammadiyah Surabaya)



Article Info

Publish Date
01 Mar 2026

Abstract

                Financial inclusion is an important element in equitable economic development. However, people with disabilities still face obstacles in accessing Islamic financial services. In fact, the Islamic financial system based on the principles of al-'adl (justice) and maṣlaḥah (benefit) is in line with the goal of Maqāṣid al-Syarī'ah to protect property (hifz al-mal), soul (hifz al-nafs), and human dignity (ḥifẓ al-'irdh). This study aims to analyze the inclusion of Islamic finance for people with disabilities in Indonesia through a literature review (library research) with a qualitative descriptive approach to legal sources, scientific literature, and regulatory agency reports. The results of the study show that despite regulations such as Law No. 8 of 2016, the Compilation of Sharia Economic Law (KHES), and POJK No. 6/POJK.07/2022, the application of Maqāṣid al-Syarī'ah values in Islamic financial services has not been optimal due to the limitations of inclusive infrastructure, low literacy, and the absence of specific technical guidelines. This research emphasizes the need to integrate the principles of Maqāṣid al-Syarī'ah in digital policies, regulations, and innovations in order to realize an inclusive and socially just Islamic financial system.

Copyrights © 2026






Journal Info

Abbrev

alkharaj

Publisher

Subject

Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies ...