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Maslahah-Based Protection of Fund Recipients in Fintech Lending Through Empowerment and Justice

El-Mashlahah · Vol. 15 No. 1 (2025) · hlm. 1–20

DOI
10.23971/el-mashlahah.v15i1.7786
ISSN
2622-8645, 2089-1970
Terbit
2025-06-11
Penerbit
Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The rapid growth of fintech lending in Indonesia requires adequate regulation and protection for consumers, especially fund recipients, who face high risks such as intimidation and sexual harassment, high-interest charges, and misuse of personal data by fintech lending platforms. For this reason, protecting fund recipients is a primary need because it involves protecting life and property, which is integral to the benefit of maqashid sharia. The main objective of this research was to detail the concepts of empowerment and justice as pillars of protection for fund recipients in fintech lending from a maslahah perspective. The research used normative juridical methods with statutory and conceptual approaches and analyzed secondary data from document studies in a descriptive qualitative. The results showed that empowerment and protection of fund recipients in fair fintech lending align with the principle of maslahah, contribute positively to the welfare of society, and support the growth of a sustainable fintech lending industry ecosystem, and offering hope for a better future.

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  • Walisongo State Islamic University
  • Diponegoro University
  • National University of Malaysia
  • Gunadarma University
  • Walailak University
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  • Organisasi berbeda
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Rekan penulisOrganisasiArtikel bersama
Dwi WulandariAfiliasi tidak diketahui4
Aqila-Syarief Muhammad AfifAfiliasi tidak diketahui3
Muhammad Fazli AzmiAfiliasi tidak diketahui3
Bagas HeradhyaksaWalisongo State Islamic University1
Riza FibrianiWalisongo State Islamic University1
Ery Agus PriyonoDiponegoro University1
Muhamad AzharDiponegoro University1
Zulkarnaen AhmadNational University of Malaysia1
Moh ArifinAfiliasi tidak diketahui1
GunartoAfiliasi tidak diketahui1
Bambang Tri BawonoAfiliasi tidak diketahui1
Kiki Nuriska DenhasAfiliasi tidak diketahui1
St. Budi WaluyaAfiliasi tidak diketahui1
- RochmadAfiliasi tidak diketahui1
R A LestariAfiliasi tidak diketahui1
Ismail MarzukiAfiliasi tidak diketahui1
Edy SaputroAfiliasi tidak diketahui1
Muhammad Akmal HabibAfiliasi tidak diketahui1
Joko PurwantoGunadarma University1
Abu - HapsinAfiliasi tidak diketahui1
Daud RismanaAfiliasi tidak diketahui1
Muslich ShabirAfiliasi tidak diketahui1
SupangatAfiliasi tidak diketahui1
Abdul GhofurAfiliasi tidak diketahui1
Anis FittriaAfiliasi tidak diketahui1
Budi WaluyoWalailak University1
Ade BurhanudinAfiliasi tidak diketahui1
Bambang SeptianAfiliasi tidak diketahui1
Muji SetiyoAfiliasi tidak diketahui1
Noto WidodoAfiliasi tidak diketahui1
Bagiyo Condro PurnomoAfiliasi tidak diketahui1
Bagas Arif PrasetyoAfiliasi tidak diketahui1
Dwi Ahmad RizaniAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://e-journal.iain-palangkaraya.ac.id/index.php/maslahah/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Maslahah-Based Protection of Fund Recipients in Fintech Lending Through Empowerment and Justice</dc:title>
	<dc:creator xml:lang="en">Noor, Afif</dc:creator>
	<dc:creator xml:lang="en">Maskur, Ali</dc:creator>
	<dc:creator xml:lang="en">Kholiq, Arifana Nur</dc:creator>
	<dc:creator xml:lang="en">Rurkinantia, Aisa</dc:creator>
	<dc:creator xml:lang="en">Saifudin, Saifudin</dc:creator>
	<dc:creator xml:lang="en">Adila, Arina Hukmu</dc:creator>
	<dc:creator xml:lang="en">Maruf, Maruf</dc:creator>
	<dc:subject xml:lang="en">Empowerment</dc:subject>
	<dc:subject xml:lang="en">Justice</dc:subject>
	<dc:subject xml:lang="en">Fund Recipient</dc:subject>
	<dc:subject xml:lang="en">Fintech Lending</dc:subject>
	<dc:description xml:lang="en">The rapid growth of fintech lending in Indonesia requires adequate regulation and protection for consumers, especially fund recipients, who face high risks such as intimidation and sexual harassment, high-interest charges, and misuse of personal data by fintech lending platforms. For this reason, protecting fund recipients is a primary need because it involves protecting life and property, which is integral to the benefit of maqashid sharia. The main objective of this research was to detail the concepts of empowerment and justice as pillars of protection for fund recipients in fintech lending from a maslahah perspective. The research used normative juridical methods with statutory and conceptual approaches and analyzed secondary data from document studies in a descriptive qualitative. The results showed that empowerment and protection of fund recipients in fair fintech lending align with the principle of maslahah, contribute positively to the welfare of society, and support the growth of a sustainable fintech lending industry ecosystem, and offering hope for a better future.</dc:description>
	<dc:publisher xml:lang="en">Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya</dc:publisher>
	<dc:date>2025-06-11</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.uin-palangkaraya.ac.id/maslahah/article/view/7786</dc:identifier>
	<dc:identifier>10.23971/el-mashlahah.v15i1.7786</dc:identifier>
	<dc:source xml:lang="en">El-Mashlahah; Vol. 15 No. 1 (2025); 1-20</dc:source>
	<dc:source xml:lang="id">El-Mashlahah; Vol 15 No 1 (2025); 1-20</dc:source>
	<dc:source>2622-8645</dc:source>
	<dc:source>2089-1970</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.uin-palangkaraya.ac.id/maslahah/article/view/7786/3152</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Afif Noor, Ali Maskur</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>