Integrasi Nilai-Nilai Maqashid Shariah dalam Inovasi Keuangan Digital Bank Syariah: Kajian Literatur Terstruktur
DOI:
https://doi.org/10.58192/ebismen.v5i1.2870Keywords:
maqasid al-shariah, Islamic banking, digital transformation, systematic literature reviewAbstract
This study aims to analyze the integration of maqasid al-shariah within digital financial innovation in Islamic banking and to identify patterns in previous research through a Systematic Literature Review (SLR). The SLR method was employed to search, select, and synthesize relevant studies published between 2020 and 2025 using predefined inclusion and exclusion criteria, followed by thematic analysis. The findings were organized into five core themes: security and wealth protection, digital literacy, regulatory and shariah compliance, adoption of digital technologies, and the orientation toward justice and social benefit. The results indicate that the integration of maqasid al-shariah in digital innovation remains partial and has not been developed into an operational framework for the design or evaluation of digital banking services. Prior studies emphasize the importance of data security and regulatory readiness but have not formulated measurable maqasid-based indicators. This synthesis highlights the need for a more applicable maqasid-driven digital framework to strengthen governance, risk mitigation, and the strategic direction of digital innovation in Islamic banking.
References
Ahmad, S., Rahman, N. A., & Fauzi, N. (2023). Digital ethics and maqasid al-shariah in Islamic fintech services. Journal of Islamic Financial Technology, 2(1), 15–28.
Ali, M., & Kassim, S. (2022). The role of digital transformation in enhancing Islamic banking performance. International Journal of Islamic Business, 7(2), 55–70.
Almiski, R., Febriansyah, F., & Daeli, C. (2025). Sistem pembayaran digital syariah: Analisis tantangan regulasi dan penerapan prinsip syariah. Jurnal Ekonomi Syariah Indonesia, 10(1), 45–58.
Amsari, F., & Anggara, W. (2025). Literasi digital sebagai fondasi pengembangan fintech syariah di Indonesia. Journal of Islamic Economics and Finance Studies, 6(2), 112–124.
Anwar, M., & Salleh, I. (2024). Shariah compliance challenges in AI-based Islamic banking products. Journal of Islamic Financial Innovation, 3(1), 44–60.
Basri, Y. (2025). Pemodelan maqashid syariah dalam penerapan artificial intelligence pada layanan perbankan syariah. Jurnal Transformasi Digital Syariah, 4(1), 1–15.
Billah, M. M., & Saripudin, A. (2024). Uang digital dalam perspektif syariah: Analisis konsep, manfaat, dan implikasinya. Journal of Islamic Finance and Economic Development, 5(2), 89–103.
Busari, A., Raihana, N., & Abdullah, M. (2025). Maqasid-based digital participation model for B40 communities. International Journal of Islamic Social Finance, 7(1), 25–39.
Darsono, A., & Ramadhan, M. (2023). Measuring the readiness of Islamic banks in adopting digital innovation. Journal of Digital Banking and Finance, 5(3), 112–129.
Hassan, R., & Yusuf, M. (2022). Towards a maqasid-driven framework for digital financial inclusion. Islamic Development Review, 4(2), 89–105.
Husni Shabri, F. (2022). Transformasi digital perbankan syariah pascapandemi. Jurnal Perbankan Syariah dan Keuangan, 8(3), 145–160.
Khan, A., & Muneeza, A. (2023). Islamic fintech governance and regulatory harmonization. Global Journal of Islamic Finance, 6(1), 73–92.
Luqman Syakirunni’am, A., Fadli, F., & Majid, M. S. (2025). Risiko keamanan data dalam layanan digital perbankan syariah: Tinjauan kebijakan dan teknologi. Journal of Islamic Digital Innovations, 2(1), 55–70.
Mansor, N., & Abdullah, S. (2024). Cybersecurity readiness in Islamic financial institutions: A maqasid-based assessment. Journal of Islamic Cybersecurity Studies, 1(1), 1–14.
Maulida, H., & Ali, M. (2023). Systematic literature review in Islamic finance research: Methodology and application. Journal of Islamic Accounting and Finance Review, 4(1), 77–92.
Mohd Najib, N., Husin, M., & Afandi, Z. (2025). Digital transformation in Islamic banking: Opportunities and challenges. Asian Journal of Islamic Management, 3(2), 66–84.
Nurfalah, Y., & Rusydiana, A. (2019). Literasi keuangan syariah dan implikasinya terhadap inklusi keuangan. Al-Iqtishad: Journal of Islamic Economics, 11(2), 343–366.
Otoritas Jasa Keuangan. (2024). Outlook perbankan syariah dan arah kebijakan digitalisasi keuangan syariah 2024. OJK Press.
Rahim, H., & Nordin, N. (2023). Digital literacy and customer trust in Islamic mobile banking adoption. Asian Journal of Islamic Economics, 11(3), 201–218.
Riswanti, E., Satriawan, D., & Widiyanto, I. (2025). Analisis capaian maqashid syariah pada bank syariah di Indonesia. Jurnal Ekonomi dan Perbankan Syariah, 12(1), 1–15.
Saifullah, M., & Idris, K. (2025). Integrating maqasid al-shariah into blockchain-based Islamic financial services. Journal of Islamic Digital Economy, 4(1), 33–52.
Suryani, & Amalia, F. (2022). Implementasi maqashid syariah pada layanan digital bank syariah. Jurnal Ekonomi Islam Nusantara, 5(2), 210–225.
Zaharah, L., & Mirza, U. (2022). Ethical governance in digital Islamic banking: A conceptual maqasid approach. Journal of Islamic Ethics and Finance, 3(2), 120–138.
Zuchroh, N. (2025). Kajian syariah terhadap Central Bank Digital Currency (CBDC): Potensi, risiko, dan kesesuaiannya dengan hifz al-mal. Islamic Monetary Studies Journal, 6(1), 34–49.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Ekonomi, Bisnis dan Manajemen
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
