PENGARUH DIGITALISASI TERHADAP KEMAJUAN PEREKONOMIAN UMAT DALAM PERSPEKTIF EKONOMI SYARIAH
Keywords:
Keywords: Digitalization, Islamic Economics, Digital Economy, Financial Technology, Maqashid al-Shariah, Economic Empowerment.Abstract
Digitalization has become one of the primary drivers of economic transformation by creating broader opportunities for innovation, financial inclusion, and business development. In the context of the Muslim community, digital technology provides significant opportunities to strengthen economic empowerment through digital financial services, e-commerce, Islamic financial technology (fintech), and digital-based social finance. However, alongside these opportunities, digitalization also presents challenges related to unethical transactions, cybercrime, low digital literacy, and economic practices that may conflict with Islamic principles. This study aims to analyze the influence of digitalization on the economic advancement of the Muslim community from the perspective of Islamic economics. The research employed a qualitative approach using a library research method. Data were collected from primary sources, including the Qur'an and Hadith, as well as books, scientific journals, government reports, and other relevant academic publications concerning digitalization, Islamic economics, financial technology, and the digital economy. The collected data were analyzed using descriptive content analysis through data reduction, categorization, interpretation, and synthesis. The findings reveal that digitalization has a positive impact on improving financial inclusion, enhancing the competitiveness of micro, small, and medium enterprises (MSMEs), expanding access to Islamic financial services, and optimizing the management of Islamic social finance, including zakat, waqf, and charitable funds. From the perspective of maqashid al-shariah, digitalization contributes to the protection and development of wealth (hifz al-mal) by promoting efficiency, transparency, productivity, and public welfare. Nevertheless, the successful implementation of digitalization requires strengthening digital literacy, Islamic financial literacy, adaptive regulations, and the integration of technological innovation with Islamic ethical values. Therefore, digitalization should be viewed not only as a tool for economic modernization but also as a strategic instrument for achieving sustainable, just, and welfare-oriented economic development in accordance with the principles of Islamic economics.
References
Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Gema Insani Press.
Ascarya. (2015). Akad dan produk bank syariah. Rajawali Pers.
Chapra, M. U. (2000). The future of economics: An Islamic perspective. The Islamic Foundation.
Daftar Pustaka
DSN-MUI. (2017). Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia. Dewan Syariah Nasional–Majelis Ulama Indonesia.
Hanip, A., Nurjannah, F., Nurrohman, D., & SAM, A. A. M. (2026). Paid Membership Cards in Buying and Selling Transactions: A Sharia Economic Law Analysis. Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah, 11(2), 69-88.
Huda, N., & Heykal, M. (2013). Lembaga keuangan Islam: Tinjauan teoretis dan praktis. Kencana.
Karim, A. A. (2017). Ekonomi mikro Islam (5th ed.). Rajawali Pers.
Kementerian Agama Republik Indonesia. (2019). Al-Qur'an dan terjemahannya. Lajnah Pentashihan Mushaf Al-Qur'an.
Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. (2023). Perkembangan data usaha mikro, kecil, dan menengah (UMKM) Indonesia. Kementerian Koperasi dan UKM RI.
Mansur, U., Nurohman, D., & Anshor, A. M. (2024). Revitalizing Financial Freedom to Achieve a Sustainable Economy Based on Maqashid al-Shariah in Hifz al-Mal. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 9(2), 286-304.
Nur, I. (2024). REFLECTION OF MAQASHID SYARIAH AND ISLAMIC STUDIES ON ECONOMIC DEVELOPMENT TOWARDS A GOLDEN INDONESIA. AT-TAWASSUTH: Jurnal Ekonomi Islam, 9(2), 201-218.
Nur, I., & Khamami, A. R. (2021). REVITALIZATION OF FINANCIAL FREEDOM BASED ON MAQASHID AL-SYARIAH FI HIFDZ AL-MAL. Jurnal Perspektif, 4, 371-83.
Nurohman, D., & Anshor, A. M. (2025). All You Can Eat dalam Tinjauan Maslahah al-Mursalah: Implikasi Hukum Islam terhadap Praktik Bisnis Modern. Tasyri': Journal of Islamic Law, 4(1), 537-558.
Nurrohman, D., Anshor, A. M., & Kooria, M. (2025). SHARIA MICROFINANCE REFORMULATION TOWARDS AN INCLUSIVE ECONOMY: An Approach Maqashid al-Shariah fi Hifdz al-Mal. Mu’amalah: Jurnal Hukum Ekonomi Syariah, 4(2), 273-302.
Otoritas Jasa Keuangan. (2023). Roadmap pengembangan dan penguatan perbankan syariah Indonesia 2023–2027. Otoritas Jasa Keuangan.
Otoritas Jasa Keuangan. (2024). Statistik perbankan syariah. Otoritas Jasa Keuangan.
Qardawi, Y. (2001). Peran nilai dan moral dalam perekonomian Islam. Robbani Press.
Republik Indonesia. (2008). Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.
SAM, A. A. M., Ubaidillah, U., Habibi, E., & Alfatani, I. A. (2025, November). Tajhin Sora dalam Tradisi Asyura. In Proceedings of Annual Conference for Muslim Scholars (Vol. 9, No. 1, pp. 1328-1337).
Siddiqi, M. N. (2006). Role of the state in the economy: An Islamic perspective. The Islamic Foundation.
Sudarsono, H. (2018). Bank dan lembaga keuangan syariah: Deskripsi dan ilustrasi (5th ed.). Ekonisia.
Sukmadinata, N. S. (2017). Metode penelitian pendidikan. PT Remaja Rosdakarya.
Ubaidillah, U., Nur, I., & Anshor, A. M. (2024). Konstruksi Ekonomi Islam Berbasis Interdisipliner: Studi Islam dan Maqashid Syariah. Adzkiya: Jurnal Hukum dan Ekonomi Syariah, 12(2), 35-49.
Yusuf, M., & Wiroso. (2021). Fintech syariah: Teori dan implementasi. Rajawali
