Ekonomi Syariah Sebagai Solusi Dalam Mewujudkan Indonesia Emas 2045: Studi Literatur
DOI:
https://doi.org/10.30739/jpsda.v6i2.5410Keywords:
Islamic Economy, Golden Indonesia 2045, Islamic Banking, Halal Industry , Islamic Digital EconomyAbstract
This study aims to analyze the role of Islamic economics in realizing “Golden Indonesia 2045” through the strengthening of the financial sector, the halal industry, and inclusive and sustainable development. The study employs a descriptive qualitative approach using library research on 23 sources, including national and international journals and policy documents from 2016 to 2026, obtained through Google Scholar, Garuda, SINTA, DOAJ, and Scopus. The data were analyzed using content analysis and narrative synthesis. The results of the study indicate that the integration of the five pillars of the Islamic economy namely, Islamic banking and finance, the halal industry, ZISWAF, Islamic MSMEs, and the Islamic digital economy plays a strategic role in enhancing financial inclusion, strengthening the real sector, reducing social inequality, and boosting national competitiveness. However, its development still faces obstacles in the form of low financial literacy, regulatory fragmentation, and infrastructure limitations. The novelty of this research lies in its integrative framework of the five pillars of the Islamic economy in support of national development toward Indonesia Emas 2045. The study recommends strengthening pentahelix collaboration, harmonizing policies, improving financial literacy, and the formulation of an integrated roadmap by the government to ensure that the development of the Islamic economy does not proceed in a sectoral manner.
Downloads
References
Ahyani, H., Slamet, M., & Tobroni. (2021). Building the values of rahmatan lil ‘alamin for Indonesian economic development at 4.0 era from the perspective of philosophy and Islamic economic law. Al-Ihkam: Jurnal Hukum & Pranata Sosial, 16(1), 111–136. https://doi.org/10.19105/al-lhkam.v16i1.4553
Azizah, S. (2023). The adoption of fintech and the legal protection of digital assets in Islamic/Sharia banking linked with economic development: A case of Indonesia. The Journal of World Intellectual Property, 26(4), 560–575. https://doi.org/10.1111/jwip.12257
Badan Perencanaan Pembangunan Nasional. (2019). Masterplan ekonomi syariah Indonesia 2019–2024. Kementerian Perencanaan Pembangunan Nasional/Bappenas. https://knks.go.id/storage/upload/1573459280-Masterplan%20Eksyar_Preview.pdf
Bahar, M. (2022). Islamic economic development in Indonesia through the implementation of sharia fintech. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 1202–1216. https://doi.org/10.31955/mea.v6i3.2467
Barata, A. (2019). Strengthening national economic growth and equitable income through sharia digital economy in Indonesia. Journal of Islamic Monetary Economics and Finance, 5(1), 145–168. https://doi.org/10.21098/jimf.v5i1.1053
Ceasario, A. F., Nisa, F. L., Putri, A. R., & Rahman, M. A. (2025). Transformasi keuangan digital dalam perspektif ekonomi syariah: Peluang, tantangan, dan dampak terhadap inklusi keuangan. Al Rikaz: Jurnal Ekonomi Syariah, 4(1), 35–49.
Eravia, D., Magangka, M., Bin Khattab, U., Nurlasera, & Lahamid, Q. (2025). The role of Bank Indonesia (BI) in developing the sharia economy through MSME empowerment in Batam City. Inovbiz: Jurnal Inovasi Bisnis Seri Manajemen, Investasi dan Kewirausahaan, 5(2), 67–81.
Febrianty, Y., Vitalia, F., Arzuna, P., & Ode, H. (2025). Legal opportunities and challenges in Indonesia’s sharia economy post COVID-19: A focus on digitalisation and regulation. Istinbath, 24(1), 88–107. https://doi.org/10.20414/ijhi.v24i1.9621
Haris, M., Nurwahidin, N., Hannase, M., & Muttaqin, M. I. (2025). Muhammad Abduh’s thought and its practical implications on government work programs for 2024–2029. Journal of Social Research, 4(2), 215–229. https://doi.org/10.55324/josr.v4i2.894
Hehanussa, U. K., & Syarifuddin. (2021). The role of sharia fintech in developing Islamic economy in the digital era in Indonesia. Islamic Economics, Finance, and Banking Review, 5(2), 94–108.
Hidayat, A., Akbar, W., Ardiansyah, M., & Ibrahim, E. A. B. (2024). The impact of sharia economics on the vision of a golden Indonesia 2045. Jurnal Ilmu Ekonomi dan Bisnis Islam, 6(1), 56–72. https://doi.org/10.24239/jiebi.v6i1.224
Huda, S., & Yuliati, A. (2025). Strategies and challenges of development economy in realizing sharia-based sustainable growth. Winter Journal: IMWI Student Research Journal, 2(1), 41–57.
Kementerian Keuangan Republik Indonesia. (2024). Laporan perkembangan keuangan syariah Indonesia tahun 2024. Kementerian Keuangan Republik Indonesia. https://www.kemenkeu.go.id
Lut’fiyah, F., Nazla, A. P., Yusup, M., Fauzi, A. M., Sibtiani, N. A., & Maulana, I. (2025). Peran lembaga keuangan syariah dalam membantu UMKM di Indonesia. SANTRI: Jurnal Ekonomi dan Keuangan Islam, 3(1), 15–28.
Ma’ruf, A., Mellinia, R., Rohmaningtyas, N., & Alam, S. (2025). The role of sharia economic stakeholders in Indonesia’s sharia economy masterplan 2019–2024: Pentahelix concept analysis. Danadyaksa: Post Modern Economy Journal, 1(2), 73–91.
Mustofa, I., Hidayat, I., Alhak, M. R., Yuliana, M., & Sopiah, E. (2025). Strategy for developing the Islamic economy in Indonesia: A perspective on economic and social challenges. In Proceedings of the International Conference on Islamic Economics and Development (pp. 112–126).
Otoritas Jasa Keuangan. (2024). Roadmap pengembangan dan penguatan perbankan syariah Indonesia 2023–2027. Otoritas Jasa Keuangan. https://www.ojk.go.id
Otoritas Jasa Keuangan. (2025, Desember 11). Siaran pers: Semakin akseleratif, aset perbankan syariah tembus seribu triliun. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Semakin-Akseleratif-Aset-Perbankan-Syariah-Tembus-Seribu-Triliun.aspx
Rumatiga, H. (2024). Kontribusi ekonomi syariah dalam mewujudkan pembangunan berkelanjutan di Indonesia. AL-AMWAL: Jurnal Ekonomi dan Perbankan Syariah, 16(2), 178–193. https://doi.org/10.24235/amwal.v16i2.18092
Said, M. (2025). Optimizing sharia fintech for financial inclusion in Indonesia in the digital era: An Islamic economic perspective. Balanca: Jurnal Ekonomi dan Bisnis Islam, 7(1), 54–70. https://doi.org/10.35905/balanca.v7i1.8912
Said, M., Putra, A., Tahir, M., Selfiani, S., & Madi, A. H. (2025). Enhancing Islamic financial inclusion in Indonesia: Innovative strategies for rural and eastern regions. Priviet Social Sciences Journal, 5(1), 1–16. https://doi.org/10.55942/pssj.v5i1.441
Saifurrahman, A., & Kassim, S. (2023). Regulatory issues inhibiting financial inclusion: A case study among Islamic banks and MSMEs in Indonesia. Qualitative Research in Financial Markets, 15(4), 601–620. https://doi.org/10.1108/QRFM-08-2022-0137
Tukiran, T., Rajab, M., & Mas’ud, I. (2024). Building Islamic economy towards Golden Indonesia 2045. Al-Ilmu, 9(1), 23–38. https://doi.org/10.30603/alilmu.v9i1.5219
Wibowo, H. (2025). The sharia economic ecosystem in Indonesia: Preliminary study. International Journal of Strategic Studies, 5(1), 77–92.
Downloads
Published
How to Cite
Issue
Section
Citation Check
License
Copyright (c) 2026 Choiril Anam, Muhammad Ainur Ridha
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
