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Dzikrulloh
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Dinar: Jurnal Ekonomi dan Keuangan Islam
Published by Universitas Trunojoyo Madura
ISSN : 24609889     EISSN : 25803565     DOI : https://doi.org/10.21107/dinar
Core Subject : Religion, Social,
Religion Social Sciences
Dinar adalah jurnal ilmiah yang diterbitkan oleh Jurusan Ekonomi dan Keuangan Islam Universitas Trunojoyo Madura. Terbit pertama kali Agustus 2015. Jurnal ini memfokuskan pada kajian Ekonomi Islam dalam berbagai sudut pandang keilmuan. Redaksi mengundang para ahli dan segenap sivitas akademika untuk menulis artikel sesuai dengan tema besar jurnal ini. Artikel yang dimuat tidak selalu mencerminkan redaksi ataupun institusi lain terkait dengan penerbitan jurnal.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 11 Documents
 1   2 
Search results for , issue "Vol 12, No 2: Agustus 2025" : 11 Documents clear
Integration of Fintech and Sharia Factoring Based on Maqaṣid al-Shari‘ah for MSME Financing Adriani, Siti Kamiliyah; Mugiyati, Mugiyati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33055

Abstract

The limited integration between fintech innovation and Sharia factoring within a comprehensive maqāṣid al-sharī‘ah framework constitutes a significant gap in Islamic finance research. This study aims to develop an integrative normative-conceptual framework that explains how fintech-based invoice financing can strengthen efficiency, transparency, financial inclusion, and Sharia compliance in MSME financing. The research employs a qualitative method using a normative-conceptual approach through library research. The data consist of secondary academic sources, including 35 peer-reviewed journal articles, books, and research reports, as well as 7 institutional documents from OJK, KemenkopUKM, AFPI, and Islamic fintech platforms published between 2018–2025. Data were analyzed using content analysis through reduction, categorization, and critical interpretation based on maqāṣid al-sharī‘ah. The findings indicate that the integration of blockchain, smart contracts, digital escrow systems, and Sharia contractual structures such as wakālah bil ujrah, murābaḥah, and qard ḥasan enhances transparency, risk mitigation, and access to MSME financing. However, regulatory standardization and digital Sharia governance remain limited. The study implies the need for harmonized regulatory frameworks and strengthened digital Sharia supervision to ensure that fintech innovation substantively achieves taḥqīq al-maṣlaḥah within the Islamic financial ecosystem.

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