Keuangan Islam SMART di Indonesia: Analisis Kesenjangan Berbasis Maqasid
DOI:
https://doi.org/10.55510/fjhes.v10i1.994Keywords:
Finansial Teknologi; Maqasid Syariah; Analisis KesenjanganAbstract
Tujuan penelitian ini adalah menganalisis kesenjangan ekosistem Keuangan Islam SMART berbasis Maqasid Syariah kontemporer secara komprehensif. Metode yang digunakan adalah kualitatif deskriptif melalui studi pustaka sistematis dan analisis data sekunder. Hasil penelitian menunjukkan bahwa inovasi teknologi digital saat ini masih bias pada kepentingan komersial murni (hifdz al-maal) dan kelompok elitis, serta mengabaikan indikator perlindungan sosial-ekonomi masyarakat kelas bawah. Selain itu, terjadi ketidakselarasan regulasi (regulatory disharmony) akibat lambannya respons kebijakan otoritas. Rekomendasi nyata dari studi ini adalah mendesak Bank Indonesia, OJK, dan KNEKS untuk membangun langkah strategis kolaboratif dalam menyusun standar regulasi digital dan audit kepatuhan syariah nasional yang adaptif. Pelaku industri juga harus mendekonstruksi algoritma credit scoring agar lebih adil bagi UMKM.
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