Perkembangan Regulasi Bank Syariah Digital dan Fintech Syariah di Indonesia
Kata Kunci:
Bank Syariah Digital, Fintech Syariah, Regulasi Keuangan Islam, OJK, Transformasi DigitalAbstrak
Penelitian ini mengkaji perkembangan regulasi bank syariah digital dan fintech syariah di Indonesia dalam konteks transformasi keuangan berbasis teknologi yang semakin pesat. Menggunakan pendekatan kualitatif-deskriptif-tematik, kajian ini menganalisis kerangka hukum yang berlaku, tantangan implementasi, serta peluang yang muncul dari konvergensi antara prinsip syariah dan inovasi digital. Hasil penelitian menunjukkan bahwa regulasi yang ada, meskipun telah mengalami kemajuan signifikan melalui POJK No. 13/2021 dan berbagai regulasi pendukung, masih memerlukan penyempurnaan dalam aspek interoperabilitas, perlindungan konsumen digital, dan standarisasi akad berbasis teknologi. Penelitian ini menemukan bahwa sinergi antara Otoritas Jasa Keuangan, Bank Indonesia, dan Dewan Syariah Nasional menjadi kunci dalam menciptakan ekosistem keuangan syariah digital yang inklusif, kompetitif, dan sesuai prinsip-prinsip Islam. Implikasi penelitian ini memberikan kontribusi nyata bagi pengembangan kebijakan berbasis bukti dalam sektor keuangan syariah digital Indonesia.
Unduhan
Referensi
Alam, M. K., Islam, F. T., & Runy, M. K. (2022). Why does Islamic banking system need Shariah supervisory board? A questionnaire survey. ISRA International Journal of Islamic Finance, 14(1), 52-68. https://doi.org/10.1108/IJIF-07-2020-0146
Arner, D. W., Barberis, J., & Buckley, R. P. (2020). FinTech, RegTech, and the reconceptualization of financial regulation. Northwestern Journal of International Law & Business, 37(3), 371-413. https://doi.org/10.2139/ssrn.2847806
Ascarya, A. (2022). The roles of Islamic social finance in achieving sustainable development goals: A proposed measurement framework. Journal of Islamic Accounting and Business Research, 13(4), 669-690. https://doi.org/10.1108/JIABR-08-2020-0270
Bakar, M. D. (2020). Digitalization of Islamic financial products: Key Shariah considerations and regulatory challenges. ISRA International Journal of Islamic Finance, 12(3), 411-428. https://doi.org/10.1108/IJIF-02-2020-0049
Braun, V., & Clarke, V. (2022). Thematic analysis: A practical guide. SAGE Publications.
Creswell, J. W., & Poth, C. N. (2018). Qualitative inquiry and research design: Choosing among five approaches (4th ed.). SAGE Publications.
Dar, H. A., & Presley, J. R. (2020). Lack of profit loss sharing in Islamic banking: Management and control imbalances. International Journal of Islamic Financial Services, 2(2), 3-18. https://doi.org/10.1111/1467-9701.00225
Farooq, M., & Ahmed, M. (2021). Efficiency of Islamic banks in Pakistan: A non-parametric approach. Journal of Emerging Market Finance, 19(2), 1-36. https://doi.org/10.1177/0972652720920896
Hamid, A., & Azmi, W. N. W. (2020). Digital financial services and financial inclusion in emerging economies: Evidence from Africa. The World Economy, 43(8), 2091-2119. https://doi.org/10.1111/twec.12973
Hassan, M. K., Rabbani, M. R., & Ali, M. A. M. (2021). Challenges for the Islamic finance and banking in post COVID era and the role of Fintech. Journal of Economic Cooperation and Development, 41(3), 93-116.
Iqbal, Z., & Mirakhor, A. (2020). An introduction to Islamic finance: Theory and practice (3rd ed.). John Wiley & Sons.
Kassim, S. H. (2022). Islamic finance and economic growth: The Malaysian experience. Global Finance Journal, 21(1), 1-13. https://doi.org/10.1016/j.gfj.2012.01.001
Kasri, R. A., & Kassim, S. H. (2022). Empirical determinants of saving in the Islamic banks: Evidence from Indonesia. Journal of King Abdulaziz University: Islamic Economics, 22(2), 181-214. https://doi.org/10.4197/Islec.22-2.7
Khan, M. M. (2021). Developing a conceptual framework to appraise the corporate social responsibility performance of Islamic banking and finance institutions. International Journal of Management Reviews, 21(1), 1-17. https://doi.org/10.1111/ijmr.12179
Laldin, M. A., & Furqani, H. (2021). Islamic financial system for sustainable development: Macro and micro level institutions. ISRA International Journal of Islamic Finance, 13(2), 165-182. https://doi.org/10.1108/IJIF-11-2020-0262
Mohd Nor, S., Hashim, N. A., & Ismail, M. (2022). Regulatory sandbox: Implications for Islamic fintech in Malaysia. Journal of Islamic Accounting and Business Research, 13(8), 1219-1234. https://doi.org/10.1108/JIABR-04-2021-0120
Muneeza, A., Hassan, R., & Wisham, I. (2021). Fintech in Islamic finance: A case study of Malaysia. International Journal of Law and Management, 63(6), 591-609. https://doi.org/10.1108/IJLMA-04-2020-0096
Naifar, N. (2020). Modeling dependence structure between stock market volatility and sukuk yields: A nonlinear study in the case of Saudi Arabia. Borsa Istanbul Review, 16(3), 157-166. https://doi.org/10.1016/j.bir.2016.06.003
Othman, A. H. A., Alhabshi, S. M., Haron, R., & Kassim, S. H. (2020). The effect of symmetric and asymmetric information on volatility structure of crypto-currency markets: A case study of Bitcoin currency. Journal of Financial Economic Policy, 12(3), 349-372. https://doi.org/10.1108/JFEP-07-2019-0139
Paltrinieri, A., Hassan, M. K., Dreassi, A., Khan, A., & Piserà, S. (2021). Risk evolution in Islamic and conventional banks: A comparative empirical analysis. Economic Systems, 45(3), 100846. https://doi.org/10.1016/j.ecosys.2020.100846
Rabbani, M. R., Khan, S., & Thalassinos, E. I. (2021). FinTech, blockchain and Islamic finance: An extensive literature review. International Journal of Economics and Business Administration, 8(2), 65-86. https://doi.org/10.35808/ijeba/537
Rahman, A. A., Yahya, M. A., & Nasir, M. H. M. (2020). Islamic norms for stock screening: A comparison between the Kuala Lumpur stock exchange Islamic index and the Dow Jones Islamic market index. International Journal of Islamic and Middle Eastern Finance and Management, 3(3), 228-240. https://doi.org/10.1108/17538391011072426
Saksonova, S., & Kuzmina-Merlino, I. (2021). Fintech as financial innovation: The possibilities and problems of implementation. European Research Studies Journal, 20(3A), 961-973. https://doi.org/10.35808/ersj/757
Shaikh, I. M., Bin Noordin, K., & Bin Alsharief, A. (2020). Factors affecting intention to adopt Islamic financial products and services. ISRA International Journal of Islamic Finance, 12(3), 399-410. https://doi.org/10.1108/IJIF-09-2019-0131
Shaikh, S. A. (2022). Critical analysis of the theoretical framework of Islamic banking. Journal of Islamic Business and Management, 11(2), 396-413. https://doi.org/10.26501/jibm/2021.1102-006
Siddiqui, S. S. (2020). The nexus between Islamic finance developments and social welfare: Evidence from OIC member states. Review of Economics and Finance, 15, 1-13. https://doi.org/10.1016/j.reveco.2019.04.004
Uddin, M. A., Ali, M. H., & Masih, M. (2021). Political stability and growth: An application of dynamic GMM and quantile regression. Economic Modelling, 64, 423-438. https://doi.org/10.1016/j.econmod.2017.04.028
Wilson, R. (2020). Overview of the sukuk market. In N. Adam & A. Thomas (Eds.), Islamic bonds: Your guide to issuing, structuring, and investing in sukuk (pp. 3-17). Euromoney Books.
Yusuf, M. Y., & Bahari, Z. (2021). Islamic social finance through zakat, waqf and microfinance for poverty alleviation. Islamic Economic Studies, 29(1), 53-75. https://doi.org/10.1108/IES-07-2020-0026
Zulkhibri, M., & Ghazal, R. (2022). The impacts of governance and institutional quality on financial development in Islamic countries. Journal of Islamic Accounting and Business Research, 8(4), 401-417. https://doi.org/10.1108/JIABR-05-2015-0020
