Digitalisasi keuangan syariah dan dampaknya terhadap pembangunan ekonomi islam
Keywords:
Digitalization, Islamic Finance, Islamic Economics, Sharia Fintech, Economic Development.Abstract
The transformation of the financial sector, including Islamic finance in Indonesia, has been driven by advances in digital technology. The emergence of various services such as Islamic fintech, Islamic mobile banking, and digital payment systems marks the digitization of Islamic finance. These services make it easier for people to conduct financial transactions in accordance with Sharia principles. The purpose of this study is to examine how the digitization of Islamic finance is evolving and how it impacts the growth of the Islamic economy. This study employs a literature review approach. Data was collected from relevant journals, books, and scientific articles published over the past five years. The findings indicate that the digitalization of Islamic finance supports the growth of the Islamic economy, particularly by enhancing financial inclusion, expanding access to Islamic financial services, fostering the growth of small and medium-sized enterprises (SMEs), and accelerating the pace of economic transactions within the community. However, the digitalization of Islamic finance faces several challenges, such as a lack of digital literacy, data security, and competition with conventional financial services. Therefore, collaboration between the government, Islamic financial institutions, and the public is necessary to support the development of Islamic finance digitalization so that it can optimally contribute to Islamic economic development in Indonesia.
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