Ekonomi Islam di Era Digital: Peluang dan Tantangan dalam Dunia Bisnis Modern
Abstract
This study aims to analyze the opportunities and challenges of Islamic economics in the digital era, as well as provide strategic solutions that can be applied to encourage the growth of this sector. This study uses a qualitative method with a descriptive-analytical approach. Data were obtained through literature studies from various articles, industry reports, and recent publications, which were then analyzed to identify patterns, trends, and key challenges faced by sharia business actors in the digital world. The focus of this study includes the sharia fintech sector, halal e-commerce, and the adoption of digital technology in sharia-based businesses. The results of the study show that the Islamic economy in the digital era has great potential to develop globally, especially in countries with high Muslim populations such as Indonesia and Malaysia. The growth of sharia fintech has reached significant numbers, while halal e-commerce continues to expand its global market share. The main challenges identified include the lack of uniform regulations at the international level, low digital literacy among sharia business actors, and the need for stricter supervision of halal products on digital platforms.
Keywords
Full Text:
PDFReferences
Adam, K., 2020. Baitul Mal Sebagai Sumber Keuangan Publik Berbasis Maqashid Syariah. Kasaba: Jurnal Ekonomi Islam, 13(2), 138–149.
Asutay, M., Othman, J., 2020. Alternative Measures for Predicting Financial Distress In The Case of Malaysian Islamic Banks: Assessing The Impact of Global Financial Crisis. Journal of Islamic Accounting and Business Research, 11(9), 1827–1845.
Aulia, D., Syukron, M., Khomsiyah, K., 2024. Sharia Fintech: Current Issues and Future Opportunities. Finansia: Jurnal Akuntansi dan Perbankan Syariah, 7(2), 165–184.
Maulani, I. E., Herdianto, T., Syawaludin, D. F., Laksana, M. O., 2023. Penerapan Teknologi Blockchain Pada Sistem Keamanan Informasi, Jurnal Sosial Teknologi, 3(2), 99-102
Fradesa, F., Abadi, S. P., Maani, B., Hardi, E. A., Sucipto, 2022. Fitur Shopee Barokah dan Tokopedia Salam: Inovasi Marketplace Halal Sebagai Upaya Pengembangan Ekonomi Digital Berbasis Syariah. Jurnal Ilmiah Ekonomi Islam, 8(3), 2893.
Gandasari, I. M., Cahyanti, Y. D., Wibowo, P. P., Rosviana, M. I., 2024, Prospek Fintech Syariah 2024: Tren, Inovasi, dan Peran Asosiasi dalam Pertumbuhan Ekonomi, Jurnal ISECO, 3(1), 128-136
Haryani, H., Wahid, S. M., Fitriani, A., Ariq, M. F., 2023. Analisa Peluang Penerapan Teknologi Blockchain dan Gamifikasi pada Pendidikan. Jurnal Mentari: Manajemen, Pendidikan dan Teknologi Informasi, 1(2), 163–174.
Hidayat, A. A., Mugiyati, Novita, S. A., Harris, J. I., 2023, Peranan Peer to Peer Lending Syariah terhadap UMKM untuk Pemulihan Ekonomi Pasca Pandemi Covid-19, Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah, 10(2), 267-281
Putri, I. S., Friantin, S. H. E., 2021. Dampak Fintech Syariah Dalam Meningkatkan Keuangan Inklusif Pada UMKM di Indonesia. Bhirawa: Journal of Marketing And Commerce, 6(1), 47–54.
Latifah, E., Abdullah, R., 2022a. Financial Technology (Fintech) pada Perbankan Syariah: Aplikatif dan Peran. JIAR : Journal Of International Accounting Research, 1(2), 99–115.
Latifah, E., & Abdullah, R. 2022b. Hukum Ekonomi Syariah Atas Bunga Bank. JIDE : Journal of International Development Economics, 1(2), 111–125.
Mohammad, S., Asutay, M., Dixon, R., Platonova, E., 2020. Liquidity Risk Exposure and its Determinants in the Banking Sector: A Comparative Analysis between Islamic, Conventional and Hybrid Banks. Journal of International Financial Markets, Institutions and Money. 66(1). 101196.
Norrahman, R. A., 2023. Peran Fintech dalam Transformasi Sektor Keuangan Syariah. JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi, 1(2), 101–126.
Rasyid, M. B. A., Fahrullah, 2022. Pengaruh Penggunaan Debit Card dan E-Money Terhadap Perilaku Konsumtif Mahasiswa Prodi Ekonomi Islam Fakultas Ekonomika dan Bisnis UNESA. Jurnal Ekonomika dan Bisnis Islam, 5(2), 157–186.
Rozi, F., Safitri, A. R., Khowatim, S. W., & Rochayatun, K., 2024. Peran Financial Technology (Fintech) Syariah dalam Perekonomian Negara di Indonesia. Jurnal Ilmiah Ekonomi Islam, 10(2), 1668–1674.
Sujud, F. A., 2021. Inisiasi Otoritas Jasa Keuangan Kediri dalam Meningkatkan Literasi dan Inklusi Keuangan Syariah Masyarakat Kediri. Tanbih: Jurnal Ilmu Ekonomi, Akuntansi, Manajemen, Bisnis & Ekonomi Syariah, 1(1), 67–87.
Sukirman, D., Zulkarnaen, W., 2022, Manajemen Pariwisata Halal dalam Perspektif Ekonomi Syariah. Komitmen: Jurnal Ilmiah Manajemen, 3(1), 36-47
Syahputra, A., Junaidi, Sukmawati, E., Deprizon, Syafitri, R., 2023. Dampak Buruk Era Teknologi Informasi dan Komunikasi pada Remaja Usia Sekolah (dalam Perspektif Pendidikan Islam). Journal of Education Research, 4(3), 1265–1271.
Topani, I. N., Yati, A., 2023. Penerapan Sistem Tanggung Renteng pada Nasabah dalam Perspektif Hukum Ekonomi Syariah (Studi Pada BTPN Syariah Cabang Lampung Tengah). Iqtishad Sharia: Jurnal Hukum Ekonomi Syariah & Keuangan Islam, 1(2), 55–67.
Salim, A., Afdal, Deprizon, Fitri, A., Wismanto, 2023,. Peran Manejemen Teknologi Informasi dan Komunikasi dalam Dunia Pendidikan di Era Disrupsi. Journal of Education Research, 4(3), 1290–1297.
Yati, A., 2024, Peluang dan Tantangan Produk Fintech Lending Syariah (Peer-To-Peer Lending Syariah) Berizin Otoritas Jasa Keuangan untuk Meningkatkan Kesejahteraan Ekonomi Masyarakat: Studi Literatur, Jurnal GeoCivic, 7(2), 160-172
DOI: http://dx.doi.org/10.33087/ekonomis.v9i1.2467
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Ekonomis: Journal of Economics and Business Published by Lembaga Penelitian dan Pengabdian kepada Masyarakat |
