Meskipun fintech syariah masih menghadapi beberapa tantangan, seperti kurangnya literasi keuangan syariah di masyarakat dan kompleksitas regulasi yang harus dipatuhi, upaya kolaboratif dari berbagai pihak akan sangat mendukung pertumbuhan fintech syariah ini. Dengan adopsi yang terus meningkat dan dukungan dari pemerintah serta sektor swasta, fintech syariah berpotensi besar untuk menjadi landasan utama dalam membangun keuangan yang lebih adil dan beretika bagi masa depan Indonesia.
Terima Kasih telah membaca artikel ini, semoga bermanfaat!
Referensi:
- Laldin, M. A., & Furqani, H. (2019). Fintech and Islamic finance. Fintech in Islamic Finance, 8. https://doi.org/10.4324/9781351025584-8
- Alam, N., Gupta, L., & Shanmugam, B. (2017). Prohibition of Riba and Gharar in Islamic Banking. Banking and Insurance eJournal, 35–53. https://doi.org/10.1007/978-3-319-66559-7_3
- Cattelan, V. (2009). From the concept of haqq to the prohibitions of riba, gharar and maysir in Islamic finance. International Journal of Monetary Economics and Finance, 2(4), 384–397. https://doi.org/10.1504/IJMEF.2009.029070
- Amelia, R., & Wibowo, D. (2020). Analysis of Public Interest in Sharia Investing Through Financial Technology Companies. Proceedings of the International Conference on Management, Accounting, and Economy (ICMAE 2020), 89. https://doi.org/10.2991/aebmr.k.200915.089
- Shaikh, S. A., Ismail, A., & Ismail, M. A. (2019). Shari’ah Compliance Governance for Islamic Investments and their Effects on Performance. Research in Corporate and Shari’ah Governance in the Muslim World: Theory and Practice, 18. https://doi.org/10.1108/978-1-78973-007-420191018
- Agustin, L. (2022). Evaluation of Factors influencing the Shopee PayLater adoption in Indonesia. Management Science and Business Decisions, 2(2), 5--18. https://doi.org/10.52812/msbd.49
- Fitriana, D., & Wijanarko, D. S. (2023). Legal Urgency for Registration and Establishment of Legal Fintech Companies Based on Information Technology Authority Regulation Number 77/Pojk.01/2016 Concerning Money-Based Loan Services and Bank Indonesia Regulation Number 19/12/Pbi/2017 Concerning. Journal of Law, Politics, and Humanities, 3(1), 214--226. https://doi.org/10.38035/jlph.v3i1.143
- Suryono, R. R., Budi, I., & Purwandari, B. (2021). Detection of fintech P2P lending issues in Indonesia. Heliyon, 7(4), e06782. https://doi.org/10.1016/j.heliyon.2021.e06782
Baca konten-konten menarik Kompasiana langsung dari smartphone kamu. Follow channel WhatsApp Kompasiana sekarang di sini: https://whatsapp.com/channel/0029VaYjYaL4Spk7WflFYJ2H