Sistem Ekonomi Islam: Prinsip, Implementasi, dan Tantangannya di Dunia Modern
Keywords:
Keuangan Islam, Teknologi, Blockchain, Kecerdasan buatan, inklusi keuangan
Abstract
Keuangan Islam telah mengalami pertumbuhan yang signifikan dalam beberapa dekade terakhir, dengan kemajuan teknologi yang menjadi katalis utama bagi perkembangan sektor tersebut. Studi ini bertujuan untuk mengidentifikasi inovasi teknologi yang relevan dalam sistem keuangan Islam dan menganalisis peluang serta tantangan penerapannya. Teknologi seperti blockchain, kecerdasan buatan (AI), big data, dan mobile banking menawarkan peluang besar untuk meningkatkan inklusi keuangan, transparansi, efisiensi operasional, dan inovasi produk. Namun, penerapan teknologi ini menghadapi tantangan yang signifikan, termasuk kepatuhan terhadap prinsip-prinsip Syariah, literasi digital yang rendah, masalah keamanan data, dan regulasi yang tidak memadai. Penelitian ini menggunakan pendekatan kualitatif melalui studi literatur dan studi kasus. Temuan penelitian menyoroti potensi besar teknologi untuk mendukung pertumbuhan sektor keuangan Islam sambil mematuhi prinsip-prinsip Islam. Studi ini juga merekomendasikan pengembangan kebijakan yang mempromosikan transformasi digital, meningkatkan literasi teknologi, dan memperkuat regulasi untuk memastikan keberlanjutan sektor tersebut di era digital. Kata kunci: Keuangan Islam, teknologi, blockchain, kecerdasan buatan, inklusi keuangan
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Harmen, H., Surbakti, O. M. B., Reynaldi, F. F., & Damanik, A. P. J. (2024). Peran Regulasi Cryptocurrency Terhadap Perkembangan Fintech Di Indonesia: Analisis Dari Sudut Pandang Hukum Bisnis. PESHUM: Jurnal Pendidikan, Sosial dan Humaniora, 4(1), 58- 68.
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Lacasse, R. M., Lambert, B., & Khan, N. (2017). Blockchain technology-Arsenal for a Shariah- compliant financial ecosystem. Journal of Business and Economics.
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Mora, H., Mendoza-Tello, J. C., Varela-Guzmán, E. G., & Szymanski, J. (2021). Blockchain technologies to address smart city and society challenges. Computers in Human Behavior, 122, 106854. https://doi.org/10.1016/j.chb.2021.106854
Mullins, M., Holland, C. P., & Cunneen, M. (2021). Creating ethics guidelines for artificial intelligence and big data analytics customers: The case of the consumer European insurance market. Patterns, 2(10). https://doi.org/10.1016/j.patter.2021.100362
Muryanto, Y. T., Kharisma, D. B., & Ciptorukmi Nugraheni, A. S. (2022). Prospects and challenges of Islamic fintech in Indonesia: A legal viewpoint. International Journal of Law and Management, 64(2), 239–252. https://doi.org/10.1108/IJLMA- 07-2021-0162
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Published
2025-04-30
How to Cite
Maulana, M., Jamaluddin Madjid, Amiruddin K, & Mukhtar Galib. (2025). Sistem Ekonomi Islam: Prinsip, Implementasi, dan Tantangannya di Dunia Modern. Jurnal Ilmiah Neraca : Ekonomi Bisnis, Manajemen, Akuntansi, 8(1), 95-107. https://doi.org/10.56070/jinema.v8i1.171
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Articles
Copyright (c) 2025 Maulana Maulana, Jamaluddin Madjid, Amiruddin K, Mukhtar Galib
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