Al-Iqtishad
Vol. 7 No. 2 (2026): Al-Iqtishad: Jurnal Ekonomi Syariah

Peran Teknologi Blockchain dalam Pengembangan Financial Technology (FinTech) dan Penguatan Ekonomi Syariah di Era Masyarakat Digital

Hilwa Fitri Millenia (Sekolah Tinggi Agama Islam (STAI) Baturaja, Indonesia)
Sayu Mainingsih (Sekolah Tinggi Agama Islam (STAI) Baturaja, Indonesia)
Rofiqoh Rofiqoh (Sekolah Tinggi Agama Islam (STAI) Baturaja, Indonesia)



Article Info

Publish Date
19 Jun 2026

Abstract

This study aims to analyze the role of blockchain technology in the development of financial technology (fintech) and its implications for digital society from the perspective of Islamic economics. The research employs a library research method with a descriptive qualitative approach through the analysis of various scientific literature, financial institution reports, and regulations related to blockchain and fintech. The findings indicate that blockchain technology has significant potential to enhance the efficiency, transparency, security, and accountability of digital financial transactions. Furthermore, blockchain can support the development of Islamic financial instruments such as sukuk, zakat, waqf, and takaful through smart contract mechanisms. However, the implementation of blockchain in Indonesia still faces several challenges, including regulatory issues, public digital literacy, cybersecurity concerns, and differing scholarly opinions regarding the use of crypto assets. This study concludes that blockchain has the potential to become a strategic technology in supporting digital economic transformation and strengthening the Islamic financial ecosystem, provided that it is supported by clear regulations and improved public literacy.

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Journal Info

Abbrev

aliqtishad

Publisher

Subject

Description

Al-Iqtishad: Jurnal Ekonomi Syariah aims to promote and disseminate high-quality scholarly research in the field of Islamic economics, finance, and related disciplines. The journal serves as an academic platform for researchers, lecturers, practitioners, policymakers, and students to contribute to ...