Implementasi Prinsip Syariah dalam Layanan Keuangan Digital oleh Lembaga Keuangan Syariah
Keywords:
prinsip syariah, keuangan digital, lembaga keuangan syariahAbstract
Abstrak Pendahuluan. Perkembangan teknologi digital telah mendorong transformasi layanan keuangan, termasuk pada lembaga keuangan syariah. Namun, adopsi teknologi ini harus tetap berlandaskan pada prinsip-prinsip syariah. Tujuan. Penelitian ini bertujuan untuk menganalisis sejauh mana prinsip-prinsip syariah diimplementasikan dalam layanan keuangan digital oleh lembaga keuangan syariah di Indonesia. Metode. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus pada beberapa lembaga keuangan syariah yang telah mengembangkan layanan digital. Data dikumpulkan melalui wawancara mendalam, studi dokumentasi, dan observasi partisipatif. Temuan. Hasil penelitian menunjukkan bahwa sebagian besar lembaga keuangan syariah telah berupaya menerapkan prinsip-prinsip syariah dalam layanan digital, seperti transparansi akad, kejelasan manfaat, serta pengawasan syariah internal. Namun, ditemukan pula tantangan dalam aspek kepatuhan syariah secara teknis, seperti pada kontrak digital dan validitas transaksi otomatis. Kesimpulan. Diperlukan penguatan regulasi, peningkatan kapasitas sumber daya manusia, serta kolaborasi antara regulator, akademisi, dan praktisi untuk memastikan bahwa transformasi digital tetap berada dalam koridor syariah.
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