Jurnal Ekonomi Syariah Darussalam

PENGALAMAN PENGGUNA FINTECH SYARIAH DALAM PERSPEKTIF MAQASID AL-SHARI’AH: INKLUSI KEUANGAN DAN PEMBANGUNAN BERKELANJUTAN

Tri Nadhirotur Roifah, Aula Izatul Aini — Sat, 01 Aug 2026 00:00:00 +0700

Introduction: The advancement of digital financial technology has made Islamic fintech an increasingly relevant financial service option for Muslim communities, particularly MSMEs and groups with limited access to formal financial institutions. Nevertheless, digital convenience does not necessarily guarantee fairness, security, transparency, or user welfare. Objective: This study aims to explore how communities experience and interpret Islamic fintech and to examine the role of Maq??id al-Shar??ah in promoting financial inclusion and sustainable economic development. Method: A qualitative approach with an exploratory case study design was employed. Data were gathered through in-depth interviews, observations, and document analysis. Participants were selected using purposive sampling, while the collected data were examined through reflexive thematic analysis guided by the Maq??id al-Shar??ah perspective. Results: The analysis identified four major themes: accessibility of financial services, trust and transparency, user literacy and protection, and economic benefits and sustainability. The findings indicate that the availability of digital financial access does not necessarily lead to substantive financial inclusion. User experiences are also shaped by digital literacy, understanding of contracts, service security, information transparency, and infrastructure availability. Conclusion: Islamic fintech should therefore be assessed not merely in terms of Sharia compliance, but also through its Maq??id-based impact, particularly its ability to provide asset protection, fairness, accessibility, and tangible benefits for users. Strengthening financial literacy, transparency, user protection, and equitable access is essential to enhance the contribution of Islamic fintech to economic empowerment and sustainable development.

PERAN DAN DAMPAK FINACIAL TECHLONOGY (FINTECH) TERHADAP OPERASIONAL BANK SYARIAH

Wike Novia Elwi, Sopiyatun — Thu, 27 Aug 2026 00:00:00 +0700

The development of financial technology (fintech) has brought significant transformation to the banking industry, including Islamic banks. This study aims to analyze the role and impact of fintech on the operations of Islamic banks in Indonesia. Using a qualitative descriptive approach with literature study, this research examines various aspects of fintech adoption in Islamic bank operations. The results show that fintech plays an important role in improving the operational efficiency of Islamic banks through process automation, service digitalization, and risk management optimization. The positive impact of fintech adoption is reflected in the improvement of financial ratios such as Return on Assets (ROA), expansion of access to Islamic financial services, and increased customer satisfaction. However, fintech implementation in Islamic banks faces significant challenges, including compliance with sharia principles, limited digital infrastructure, human resource gaps, and regulatory frameworks that have not fully supported. This study recommends strengthening collaboration among stakeholders, improving digital literacy, and developing adaptive regulations to create a sustainable sharia fintech ecosystem

PENGARUH LITERASI KEUANGAN SYARIAH DAN PEMAHAMAN RIBA TERHADAP MINAT MAHASISWA MENGGUNAKAN LAYANAN PAYLATER

Dwi Atika Zahra, Siti Mardiah, Rejosu Vanhot Sianturi — Sat, 01 Aug 2026 00:00:00 +0700

The development of financial technology is driving the increased use of paylater services among students. This phenomenon needs to be studied by considering sharia financial literacy and understanding of usury as aspects related to financial decision-making. This study aims to analyze the influence of sharia financial literacy and understanding of usury on students' interest in using paylater services. This study uses a quantitative approach with a causal associative research type. Data were collected through the distribution of questionnaires to respondents who met the research criteria and analyzed using statistical techniques to test the formulated hypotheses. Analysis was conducted to identify the influence of sharia financial literacy and understanding of usury, both partially and simultaneously, on students' interest in using paylater services. The research results show that Sharia Financial Literacy does not affect Students' Interest in Using Paylater Services, and Understanding of Riba does not affect Students' Interest in Using Paylater Services. However, simultaneously, Sharia Financial Literacy and Understanding of Riba affect Students' Interest in Using Paylater Services.

ANALISIS FIQIH MUAMALAH TERHADAP PENERAPAN AKAD PADA FITUR SHOPEE PAYLATER

Laura Ana Susanto, Mukhtar Hanif Zamzami — Sat, 01 Aug 2026 00:00:00 +0700

This study aims to analyze the application of contracts in the Shopee PayLater feature from the perspective of fiqh muamalah, and to identify its compliance with Islamic sharia principles, particularly regarding the qardh contract and the prohibition of riba. This research employs a qualitative approach with a library research type and a normative-juridical approach. Primary data sources include the Qur'an, Hadith, fiqh muamalah books, as well as DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001 concerning Al-Qardh. The results show that the contract used in Shopee PayLater tends to be a qardh contract, but is accompanied by additional conditions in the form of installment interest that benefits the service provider, thus deviating from the provisions of a valid qardh contract. The installment interest determined at the beginning of the contract falls into the category of riba qardh, while the 5% late fee falls into the category of riba jahiliyah that does not comply with the provisions of the DSN-MUI Fatwa. Structurally, Shopee PayLater is not fully in accordance with the principles of fiqh muamalah because it contains elements of riba, does not fulfill the principle of justice, and lacks transparency in cost details. Exceptions apply to users who choose the full payment 1-month tenor and settle their obligations on time because no additional costs are charged.

Keywords: Shopee PayLater, Fiqh Muamalah, Qardh Contract

PENGARUH PENGALAMAN BELANJA ONLINE DAN KEPERCAYAAN TERHADAP LOYALITAS PELANGGAN SHOPEE DENGAN KEPUASAN PELANGGAN SEBAGAI VARIABEL

Nurin Qurrotul Aini, Siti Nur Kholisah — Sat, 01 Aug 2026 00:00:00 +0700

This quantitative study examines the influence of online shopping experience and trust on Shopee customer loyalty, with customer satisfaction as a mediating variable. Data was collected from 200 active Shopee users through online questionnaires using a 5-point Likert scale. Analysis employed multiple linear regression and the Sobel test for mediation. The findings reveal that online shopping experience and trust significantly and positively affect customer satisfaction. Furthermore, customer satisfaction significantly influences customer loyalty. Importantly, customer satisfaction mediates the relationship between both online shopping experience and trust on customer loyalty. These results imply that Shopee must enhance user experience and build consumer trust to foster satisfaction, which in turn drives long-term customer loyalty in Indonesia's competitive e-commerce market.

Keywords: Online Shopping Experience, Trust, Customer Satisfaction

ANALISIS INTEGRASI TEORI TRIPLE BOTTOM LINE DAN ETIKA BISNIS ISLAM DALAM MEWUJUDKAN KEBERLANJUTAN USAHA PADA CV. ARTHA BOGA INDONESIA

Ainun Nafisatur Rohmah, Nurul Fatma Hasan — Sat, 01 Aug 2026 00:00:00 +0700

In recent years, the issue of sustainability has become a major concern worldwide. The Triple Bottom Line (TBL) concept serves as a foundation for sustainable business. However, this concept does not encompass moral and spiritual dimensions. Therefore, Islamic business ethics serves to complement and strengthen the pursuit of more comprehensive business sustainability. This study aims to analyze the implementation of TBL and Islamic business ethics, as well as their integration in supporting business sustainability at CV. Artha Boga Indonesia. This study employs a descriptive qualitative approach using a case study method. The results show that CV. Artha Boga Indonesia has implemented the people, planet, and profit aspects, although their implementation is not yet optimal, particularly in solid waste segregation and the use of single-use plastics. The principles of Islamic business ethics, including tawhid, justice, free will, and responsibility, have also been implemented, although more consistent supervision is still required. The integration of TBL and Islamic business ethics forms a stronger sustainability model encompassing a just economy, a society oriented toward maslahah, the environment as an amanah (trust), and halal and blessed profits.

Keywords: Triple Bottom Line, Islamic Business Ethic, Business Sustainability

PERAN DIGITALISASI LKMS DALAM MENDORONG INKLUSI KEUANGAN MASYARAKAT DI ERA EKONOMI DIGITAL

Dian Hati, Nihayatul Wafiroh — Sat, 01 Aug 2026 00:00:00 +0700

Digital transformation in the digital economy era serves as a crucial instrument in addressing financial exclusion among bottom-of-the-pyramid societies and micro-enterprises. This study aims to analyze the role of digitalization strategies within Islamic Microfinance Institutions (LKMS) in driving financial inclusion in Indonesia, and identify the structural barriers encountered. Using a qualitative descriptive approach with library research, secondary data from accredited journals and official reports were analyzed through content analysis and theoretical synthesis. The findings indicate that LKMS digitalization (BMT, BPRS, Islamic Cooperatives) accelerates financial inclusion by reducing transaction costs and expanding operational outreach. Customers' digital footprints successfully mitigate asymmetric information risks by establishing digital credit scoring for unbankable groups. Furthermore, digital technology reconceptualizes LKMS's dual purposes by efficiently integrating social funds (ZISWAF) and commercial financing. However, this transformation also triggers a new wave of digital financial exclusion due to the digital divide, low digital-financial literacy in rural areas, and internal cybersecurity vulnerabilities.

Keywords: Islamic Microfinance Digitalization, Islamic Financial Inclusion, Digital Economy.

ABSTRAK

Transformasi digital pada era ekonomi digital merupakan instrumen krusial dalam mengatasi eksklusi keuangan masyarakat di garis piramida bawah dan pelaku usaha mikro. Penelitian ini bertujuan untuk menganalisis peran strategi digitalisasi Lembaga Keuangan Mikro Syariah (LKMS) dalam mendorong inklusi keuangan di Indonesia, serta mengidentifikasi hambatan struktural yang dihadapi. Menggunakan metode kualitatif deskriptif jenis studi kepustakaan (library research), data sekunder dari jurnal terakreditasi dan laporan resmi dianalisis dengan metode analisis isi (content analysis) dan sintesis teoretis. Hasil penelitian menunjukkan bahwa digitalisasi LKMS (BMT, BPRS, dan Koperasi Syariah) secara substantif mengakselerasi inklusi keuangan melalui reduksi biaya transaksi dan ekspansi jangkauan operasional. Rekaman transaksi digital (digital footprints) nasabah berhasil memitigasi risiko asimetri informasi melalui pembentukan profil kredit digital (digital credit scoring) bagi kelompok unbankable. teknologi mampu mengintegrasikan fungsi ganda (Duality of Purpose) LKMS melalui konvergensi tata kelola dana sosial (ZISWAF) dan pembiayaan komersial secara efisien. Namun, penelitian ini juga mengungkap ancaman eksklusi finansial model baru (digital financial exclusion) yang dipicu oleh kesenjangan digital, rendahnya literasi digital-keuangan masyarakat rural, serta kerentanan keamanan siber internal.

Kata Kunci: Digitalisasi LKMS, Inklusi Keuangan Syariah, Ekonomi Digital.