Article Sidebar
Main Article Content
Abstract
The development of information technology has revolutionized the financial industry, including the Islamic financial system. This study uses a descriptive-qualitative method with a literature review approach to explore the urgency of standardizing transaction policies in digital Islamic finance. The results show that the lack of comprehensive regulations and differing interpretations of Sharia contracts between institutions create legal uncertainty and potential doubts. Standardizing transaction policies is crucial to ensure compliance with Sharia principles and prevent practices that harm consumers. Furthermore, collaboration between regulators, fatwa authorities, and industry players is needed to develop specific regulations governing digital Sharia transactions. In conclusion, developing operational standards and improving public literacy are also crucial for creating an inclusive and sustainable Islamic financial ecosystem.
Keywords
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
- Alfaris, M. R., Waliyam Mursida, M., Irfan, M., & Syahroni, D. (2019). Model Regulasi Financial Technology Syariah Dalam Kerangka Hukum Indonesia: Studi Perbandingan Malaysia Dan Inggris.
- Alsmadi, A. A. (2025). Beyond compliance: exploring the synergy of Islamic Fintech and CSR in fostering inclusive financial adoption. Future Business Journal, 11(1), 7. https://doi.org/10.1186/s43093-025-00430-z
- Amrullah, A., & Hasan, A. (2021). Fintech Keuangan Syariah dalam Perspektif Konsep Syariah Ata Amrullah. In Jurnal Ekonomi dan Perbankan Syariah (Vol. 08).
- Ardiansyah, M. Y., & Zen, M. (2024). Kepatuhan Syariah dalam Perbankan Online dan Fintech Syariah (Pembiayaan Online pada Prinsip-Prinsip Syariah). Jurnal Penelitian Ilmu Ekonomi Dan Keuangan Syariah (JUPIEKES), 2(4). https://doi.org/10.59059/jupiekes.v2i4.1751
- Aulia, M., Yustiardhi, A. F., & Permatasari, R. O. (2020). Islamic Finance in the Modern Era. www.routledge.com/Islamic-Business-and-
- Fachrurrazy, M., & Siliwadi, D. N. (2020). Regulasi dan pengawasan fintech di indonesia : persfektif hukum ekonomi syariah. Al-syakhshiyyah Jurnal Hukum Keluarga Islam Dan Kemanusiaan, 2(2), 154–171. https://doi.org/10.35673/as-hki.v2i2.928
- Handayani, B., Mardiansyah, H., Tri Budi Utomo, D., Anggraeni Dewi, M., & Penelitian, A. (2024). Konsep Akad Syariah pada Fintech Islam: Kajian Hukum dan Implementasinya The Concept of Sharia Contracts in Islamic Fintech: Legal Study and Implementation. Jurnal Kolaboratif Sains, 7(12), 4774–4779. https://doi.org/10.56338/jks.v7i12.6696
- Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020a). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3). https://doi.org/10.29040/jiei.v5i3.578
- Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020b). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3). https://doi.org/10.29040/jiei.v5i3.578
- Prananingtyas, P., Hasan, M. A., & Asy’arie, A. L. (2024). Model and Regulatory Framework for Sharia Fintech Peer To Peer (P2p) lending in indonesia. In the russian law journal (Issue 2).
- Saputra, E., Rachmawati, T., & Mas, N. A. (2025). Editor: Muhamad Hilmi.
- Slager, R., Gond, J. P., & Moon, J. (2012). Standardization as Institutional Work: The Regulatory Power of a Responsible Investment Standard. Organization Studies, 33(5–6), 763–790. https://doi.org/10.1177/0170840612443628
- Widiyanto, A., & Zuhri, S. (2024). Technological Innovation in Islamic Finance: An Analysis of the Government’s Role in Regulating and Supporting Islamic Fintech. 2, 258–267. https://doi.org/10.61132/santri.v2i6.1079
References
Alfaris, M. R., Waliyam Mursida, M., Irfan, M., & Syahroni, D. (2019). Model Regulasi Financial Technology Syariah Dalam Kerangka Hukum Indonesia: Studi Perbandingan Malaysia Dan Inggris.
Alsmadi, A. A. (2025). Beyond compliance: exploring the synergy of Islamic Fintech and CSR in fostering inclusive financial adoption. Future Business Journal, 11(1), 7. https://doi.org/10.1186/s43093-025-00430-z
Amrullah, A., & Hasan, A. (2021). Fintech Keuangan Syariah dalam Perspektif Konsep Syariah Ata Amrullah. In Jurnal Ekonomi dan Perbankan Syariah (Vol. 08).
Ardiansyah, M. Y., & Zen, M. (2024). Kepatuhan Syariah dalam Perbankan Online dan Fintech Syariah (Pembiayaan Online pada Prinsip-Prinsip Syariah). Jurnal Penelitian Ilmu Ekonomi Dan Keuangan Syariah (JUPIEKES), 2(4). https://doi.org/10.59059/jupiekes.v2i4.1751
Aulia, M., Yustiardhi, A. F., & Permatasari, R. O. (2020). Islamic Finance in the Modern Era. www.routledge.com/Islamic-Business-and-
Fachrurrazy, M., & Siliwadi, D. N. (2020). Regulasi dan pengawasan fintech di indonesia : persfektif hukum ekonomi syariah. Al-syakhshiyyah Jurnal Hukum Keluarga Islam Dan Kemanusiaan, 2(2), 154–171. https://doi.org/10.35673/as-hki.v2i2.928
Handayani, B., Mardiansyah, H., Tri Budi Utomo, D., Anggraeni Dewi, M., & Penelitian, A. (2024). Konsep Akad Syariah pada Fintech Islam: Kajian Hukum dan Implementasinya The Concept of Sharia Contracts in Islamic Fintech: Legal Study and Implementation. Jurnal Kolaboratif Sains, 7(12), 4774–4779. https://doi.org/10.56338/jks.v7i12.6696
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020a). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3). https://doi.org/10.29040/jiei.v5i3.578
Hiyanti, H., Nugroho, L., Sukmadilaga, C., & Fitrijanti, T. (2020b). Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 5(3). https://doi.org/10.29040/jiei.v5i3.578
Prananingtyas, P., Hasan, M. A., & Asy’arie, A. L. (2024). Model and Regulatory Framework for Sharia Fintech Peer To Peer (P2p) lending in indonesia. In the russian law journal (Issue 2).
Saputra, E., Rachmawati, T., & Mas, N. A. (2025). Editor: Muhamad Hilmi.
Slager, R., Gond, J. P., & Moon, J. (2012). Standardization as Institutional Work: The Regulatory Power of a Responsible Investment Standard. Organization Studies, 33(5–6), 763–790. https://doi.org/10.1177/0170840612443628
Widiyanto, A., & Zuhri, S. (2024). Technological Innovation in Islamic Finance: An Analysis of the Government’s Role in Regulating and Supporting Islamic Fintech. 2, 258–267. https://doi.org/10.61132/santri.v2i6.1079