Menakar Kesyariahan Fintech Syariah di Indonesia
DOI:
https://doi.org/10.24090/mnh.v14i1.3567Keywords:
Fintech, syariah, assessment, OJK, IndonesiaAbstract
The development of information technology penetrated into all financial sectors, including sharia financial technology (Fintech). OJK as a regulator of the financial industry has issued regulations, to anticipate the development and utilization of IT in the financial industry such as lending, personal finance, crowdfunding, electronic money, investment investments, payment gateways, wealth management, and various other startups. Shari'ah literacy needs to be improved by giving an understanding that shari'ah is label and nature, theory, and practice, so halal is measured by how many elements of sharia are fulfilled. As for the elements of Islamic fintech in Indonesia, among others, accountability, transparency of information, fairness, equality, social piety, avoidance of transactions that are reckless, maysir, gharar, risywah, tadlis, israf, and halal. different amounts depending on how much the shari'a element is fulfilled. The greater the halal dose is fulfilled, the greater the halal, and vice versa the smaller the halal element is fulfilled, the smaller the halal value of its fintech transactions.Downloads
Download data is not yet available.
References
’Abas, Abi Hasan ’Alaudin bin Muhammad. al-Qawā'id wa al-Fawā'id al-Uṣūliyah. Bairut: Maktabah al-’Aṣriyah, 2002.
Aaker, D. Building Strong Brands. Jakarta: Bumi Aksara, 2014.
Al-Ḥurāsān, Iṣām Fāris. Tafsir al-Ṭabarī; Jaami al-Bayān an Ta’wīl Ayyi al-Qur’ān. Bairut: Muasasah al-Risālah, 1994.
Al-Zarqa, Ahmad bin Muhammad. Syarah Qawā’id al-Fiqhiyah. Damaskus: Darul Qalam, 2001.
Al-Salusi, Ali Ahmad. Mawsū'ah al-Qadāyā al-Fiqhiyah al-Mu’āṣirah wa al-Iqtisād al-Islāmī. Mesir: Maktabah Darul Quran, 2004.
Amalia, Fitri. “Book Review : The Fintech Book : The Financial Technology Handbook for Investor, Enterpreneurs and Visionaries.†Journal of Indonesia Economic and Business Volume 31 (2016): Pages 346.
Calopa, Marina Klackmer, Jelena Horvat, and Maja Lalic. “Analysis of Financing Sources For Start-Up Companies.†Management Journal Volume 19 (2014): Pages 19-44.
Drnovsek, Wincent, and Cardon. “The Nature and Experience of Enterpreneurial Passion,†2010, Pages 56.
Hidayati, Suryanti, A Firmansyah, A Fadly, and i y Darmawan. “Kajian Operasional E-Money.†Bank Indonesia, 2006.
Muhammad ibn Imsā’il al-Bukharī. Al-Jāmi’ al-Musnad al-Ṣaḥīḥ al-Mukhtaṣar min Umūr Rasulullah Ṣallallah ‘alaihi Wasallam wa Sunnanih wa Ayyamih. Edited by Muhammad Ẓāhir bin Nāṣir. Bairūt: Dār al-Ṭūq al-Najāh, 1422.
Niazi, Liaquat Ali Khan. Islamic Law Contract. Pakistan, research cell, Dyal sing trust Library Nisbet Road lahore, 1990.
Ompian, M.M. Behavioral Finance and Wealth Management. Hoboken, New Jersey: John Wiley & Sons Inc, 2006.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2015.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2017.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2019.
Pramono, Nindyo. “Revolusi Dunia Bisnis Indonesia Melalui E-Commerce Dan E-Business: Bagaimana Solusi Hukumnya.†Hukum Volume 8 (2001): Pages 16-28.
Romanova, I, and M Kudinska. Contemporarry Issues in Finance : Banking and FinTech : A Challenge or Opportunity? London: Emerald group Publishing Limited, 2016.
Rusdyana, Aam Slamet. “Bagaimana Pengembangan Industri Fintech Syariah Di Indonesia? Pendekatan Interpretive Structural Model.†al-Muzara’ah Volume 6 2 (2018): Pages 123.
Shihab, M.Quraish. Tafsir Al-Misbah: Pesan, Kesan Dan Keserasian Al-Quran. Jakarta: Lentera Hati, 2002.
Wibowo, Budi. Analisa Regulasi Fintech Dalam Membangun Perekonomian Di Indonesia. Jakarta, Indonesia, 2013.
Aaker, D. Building Strong Brands. Jakarta: Bumi Aksara, 2014.
Al-Ḥurāsān, Iṣām Fāris. Tafsir al-Ṭabarī; Jaami al-Bayān an Ta’wīl Ayyi al-Qur’ān. Bairut: Muasasah al-Risālah, 1994.
Al-Zarqa, Ahmad bin Muhammad. Syarah Qawā’id al-Fiqhiyah. Damaskus: Darul Qalam, 2001.
Al-Salusi, Ali Ahmad. Mawsū'ah al-Qadāyā al-Fiqhiyah al-Mu’āṣirah wa al-Iqtisād al-Islāmī. Mesir: Maktabah Darul Quran, 2004.
Amalia, Fitri. “Book Review : The Fintech Book : The Financial Technology Handbook for Investor, Enterpreneurs and Visionaries.†Journal of Indonesia Economic and Business Volume 31 (2016): Pages 346.
Calopa, Marina Klackmer, Jelena Horvat, and Maja Lalic. “Analysis of Financing Sources For Start-Up Companies.†Management Journal Volume 19 (2014): Pages 19-44.
Drnovsek, Wincent, and Cardon. “The Nature and Experience of Enterpreneurial Passion,†2010, Pages 56.
Hidayati, Suryanti, A Firmansyah, A Fadly, and i y Darmawan. “Kajian Operasional E-Money.†Bank Indonesia, 2006.
Muhammad ibn Imsā’il al-Bukharī. Al-Jāmi’ al-Musnad al-Ṣaḥīḥ al-Mukhtaṣar min Umūr Rasulullah Ṣallallah ‘alaihi Wasallam wa Sunnanih wa Ayyamih. Edited by Muhammad Ẓāhir bin Nāṣir. Bairūt: Dār al-Ṭūq al-Najāh, 1422.
Niazi, Liaquat Ali Khan. Islamic Law Contract. Pakistan, research cell, Dyal sing trust Library Nisbet Road lahore, 1990.
Ompian, M.M. Behavioral Finance and Wealth Management. Hoboken, New Jersey: John Wiley & Sons Inc, 2006.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2015.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2017.
Otoritas Jasa Keuangan (OJK). Statistik Perbankan Syariah, 2019.
Pramono, Nindyo. “Revolusi Dunia Bisnis Indonesia Melalui E-Commerce Dan E-Business: Bagaimana Solusi Hukumnya.†Hukum Volume 8 (2001): Pages 16-28.
Romanova, I, and M Kudinska. Contemporarry Issues in Finance : Banking and FinTech : A Challenge or Opportunity? London: Emerald group Publishing Limited, 2016.
Rusdyana, Aam Slamet. “Bagaimana Pengembangan Industri Fintech Syariah Di Indonesia? Pendekatan Interpretive Structural Model.†al-Muzara’ah Volume 6 2 (2018): Pages 123.
Shihab, M.Quraish. Tafsir Al-Misbah: Pesan, Kesan Dan Keserasian Al-Quran. Jakarta: Lentera Hati, 2002.
Wibowo, Budi. Analisa Regulasi Fintech Dalam Membangun Perekonomian Di Indonesia. Jakarta, Indonesia, 2013.
Downloads
Published
02-06-2020
How to Cite
Aziz, F. A. (2020). Menakar Kesyariahan Fintech Syariah di Indonesia. Al-Manahij: Jurnal Kajian Hukum Islam, 14(1), 1–18. https://doi.org/10.24090/mnh.v14i1.3567
Issue
Section
ARTICLES
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
