ERA FINTECH: PELUANG DAN TANTANGAN BAGI EKONOMI SYARIAH
DOI:
https://doi.org/10.24090/ej.v7i2.3457Keywords:
FinTech Syariah, Industrial Revolution 4.0, Financial servicesAbstract
Changes in digital technology occur very quickly because of the industrial revolution 4.0. Human behavior has changed in accessing financial services or FinTech. Modern online businesses replace traditional businesses. Indonesia as one of the prima donna to develop FinTech. The Islamic financial industry is more stable and stronger to survive than the conventional financial industry. FinTech sharia opportunities are still wide open because it provides solutions for needs that cannot be served by conventional financial services. The results of the study include: (1) FinTech Sharia is able to realize the transparency of financial activities; (2) creating opportunities for customers both households and businesses to access sharia financial services; (3) providing sharia investment opportunities; (4) fintech has the potential to pose risks to consumers. Recommendation given: Islamic economics is important to answer the challenges of FinTech by issuing products or policies that are in accordance with the development of FinTech and Islamic principles.References
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“No Title,†n.d. http://www.fsb.org/what-we-do/policy-development/additional-policy-areas/monitoring-of-fintech/.
Canggih Chandriana, Rinitami Njatrijani, Suradi. “Pertanggungjawaban PT Go-Jek Indonesia Terhadap Pelaksanaan Pengangkutan Penumpang.†Diponegoro Law Journal (2017).
Dwi Marlina Wijayanti & Alex Fahrur Riza. “Sharia Fintech: Positive Innovation in Consumer Perspective.†In Proceeding International Seminar Academic Network on Competition Policy, 2017.
Garvey, K. et al. “Cambridge Centre for Alternative Finance (CCAF).†In The 2nd Asia Pacific Region Alternative Finance Industry Report - Cultivating Growth (September). London: University of Cambridge., 2017.
Hadad, Muliaman D. “Financial Technology (FinTech) Di Indonesia.†Jakarta, 2017.
Irianto, Rifaldi Putra. Fintech Syariah, Masa Depan Keuangan Islam (2019).
Muzdalifa, Irma, Inayah Aulia Rahma, and Bella Gita Novalia. “Peran Fintech Dalam Meningkatkan Keuangan Inklusif Pada UMKM Di Indonesia (Pendekatan Keuangan Syariah).†Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah (2018).
Nizar, Muhammad Afdi. “Teknologi Keuangan (Fintech) : Konsep Dan Implementasinya Di Indonesia.†Warta Fiskal 5 (2017): 1–11. https://www.researchgate.net/publication/323629323.
Nurfalah, Irfan, Aam Slamet Rusydiana, Nisful Laila, and Eko Fajar Cahyono. “Early Warning to Banking Crises in the Dual Financial System in Indonesia: The Markov Switching Approach.†Journal of King Abdulaziz University, Islamic Economics 31, no. 2 (2018): 133–156.
Pipit Buana Sari, Handriyani Dwilita. “Prospek Financial Technology (Fintech) Di Sumatera Utara Dilihat Dari Sisi Literasi Keuangan, Inklusi Keuangan Dan Kemiskinan.†Kajian Akuntansi (2016).
Rizal, Muhamad, Erna Maulina, and Nenden Kostini. “Fintech Sebagai Salah Satu Solusi Pembiayaan Bagi UMKM.†AdBispreneur (2019).
Saadah, Naili. “Perencanaan Keuangan Islam Sederhana Dalam Bisnis E-Commerce Pada Pengguna Online Shop.†Economica: Jurnal Ekonomi Islam (2018).
Salam, Abdus. “Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking : Optimalisasi Dan Tantangan.†Al-Amwal 10, no. 1 (2018): 63–80.
Siregar, A. “Financial Technology Tren Bisnis Keuangan Ke Depan.†Infobanknews., 2016. http://infobanknews.com.
Subagiyo, Rokhmat. “Daya Saing Generasi Muslim Di Era Revolusi Industri 4.0.†Dimensi. LPM Dimensi IAIN Tulungagung, 2018.
Wibowo, Budi. “Analisa Regulasi Fintech Dalam Membangun Perekonomian Di Indonesia.†Jurnal Magister Teknik Elektro Universitas Mercu Buana (2016).
Yarli, Dodi. “Analisis Akad Tijarah Pada Transaksi Fintech Syariah Dengan Pendekatan Maqhasid.†Yudisia Jurnal Pemikiran Hukum dan Hukum Islami 9, no. 2 (2018).
“No Title,†n.d. http://www.fsb.org/what-we-do/policy-development/additional-policy-areas/monitoring-of-fintech/.
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Published
2019-12-26
How to Cite
Subagiyo, R. (2019). ERA FINTECH: PELUANG DAN TANTANGAN BAGI EKONOMI SYARIAH. El-Jizya : Jurnal Ekonomi Islam, 7(2), 316–336. https://doi.org/10.24090/ej.v7i2.3457
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