Melola Discovery

← Melola Discovery

Jurnal SINTA 1

Harmonisation Between DSN-MUI Fatwas and OJK Regulations: Towards an Innovative and Inclusive Sharia-Compliant Fintech Ecosystem in Indonesia

Mazahib Jurnal Pemikiran Hukum Islam · Vol. 24 No. 1 (2025) · hlm. 182–197

DOI
10.21093/mj.v24i1.10032
ISSN
2460-6588, 1829-9067
Terbit
2025-06-17
Penerbit
Fakultas Syariah UIN Sultan Aji Muhamamd Idris Samarinda
Bahasa
eng

Abstrak

Since 2018, Sharia FinTech in Indonesia has grown significantly through platform-based innovations combining Islamic contracts and digital technology. The development of this industry is influenced by ongoing efforts to harmonize DSN-MUI fatwas with OJK regulations, aiming to enhance Sharia compliance and legal certainty. Through DSN-MUI fatwas (2008–2021) and POJK regulations (2016, 2022), religious and state authorities have worked to enhance legal certainty and consumer protection in the Sharia-based digital finance sector. This study adopts a qualitative approach through literature-based document analysis to examine how DSN-MUI fatwas and OJK regulations contribute to developing the Sharia FinTech industry. The research findings indicate that while fatwas offer normative guidance for Sharia compliance, challenges persist in areas such as financial literacy, technological readiness, and regulatory oversight effectiveness. The findings suggest a need for clearer regulations, improved public education, and more effective use of technology to enhance the transparency and efficiency of Sharia financial services. Stronger collaboration between financial regulators and religious institutions can improve the capacity of Sharia FinTech to support financial inclusion and contribute to sustainable growth in the Islamic economy.

Kata kunci

Jaringan kolaborasi para penulis

23 penulis · 57 tautan kepenulisan bersama · 40 lintas organisasi

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

  • Universitas Islam Negeri Raden Fatah Palembang
  • Universitas Islam Negeri Madura
  • Diponegoro University
  • Universitas Negeri Surabaya
  • Universitas Islam Negeri Mahmud Yunus Batusangkar
  • Universitas KH. Mukhtar Syafaat
  • Institut Agama Islam Negeri Syaikh Abdurrahman Siddik Bangka Belitung
  • Organisasi lain
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Moch. Fandi AnsoriDiponegoro University1
Arief Budi WicaksonoAfiliasi tidak diketahui1
Masriyah MasriyahAfiliasi tidak diketahui1
Arief Budi WicaksonoUniversitas Tidar1
Masriyah MasriyahUniversitas Negeri Surabaya1
Siti KhabibahUniversitas Negeri Surabaya1
Muhamad NasrudinUniversitas Islam Negeri Jurai Siwo Lampung1
Hasanudin HasanudinSunan Gunung Djati State Islamic University Bandung1
Suaidi SuaidiUniversitas Islam Negeri Madura1
Ana Toni Roby Candra YudhaUIN Sunan Ampel Surabaya1
Muhammad Deni PutraUniversitas Islam Negeri Mahmud Yunus Batusangkar1
Akhmad RofikiInstitut Agama Islam Miftahul Ulum Pamekasan1
Siti FadillaUniversitas Islam Negeri Mahmud Yunus Batusangkar1
Rona PutraAfiliasi tidak diketahui1
Muhammad ViegriTanjungpura University1
Wahfiuddin Rahmad HarahapUniversitas Islam Negeri Raden Fatah Palembang1
Budhi SantosoUniversitas Islam Negeri Raden Fatah Palembang1

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) https://journal.uinsi.ac.id/index.php/mazahib/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 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">Harmonisation Between DSN-MUI Fatwas and OJK Regulations: Towards an Innovative and Inclusive Sharia-Compliant Fintech Ecosystem in Indonesia</dc:title>
	<dc:creator xml:lang="en">Suaidi, Suaidi</dc:creator>
	<dc:creator xml:lang="en">Mun'im, Zainul</dc:creator>
	<dc:creator xml:lang="en">Astuti, Sriyati Dwi</dc:creator>
	<dc:creator xml:lang="en">Riyadi, Ivan</dc:creator>
	<dc:creator xml:lang="en">Khabibah, Siti</dc:creator>
	<dc:creator xml:lang="en">Huda, Nurul</dc:creator>
	<dc:subject xml:lang="en">Sharia FinTech</dc:subject>
	<dc:subject xml:lang="en">Fatwa DSN-MUI</dc:subject>
	<dc:subject xml:lang="en">OJK Regulation</dc:subject>
	<dc:subject xml:lang="en">Innovative</dc:subject>
	<dc:subject xml:lang="en">Inclusive</dc:subject>
	<dc:description xml:lang="en">Since 2018, Sharia FinTech in Indonesia has grown significantly through platform-based innovations combining Islamic contracts and digital technology. The development of this industry is influenced by ongoing efforts to harmonize DSN-MUI fatwas with OJK regulations, aiming to enhance Sharia compliance and legal certainty. Through DSN-MUI fatwas (2008–2021) and POJK regulations (2016, 2022), religious and state authorities have worked to enhance legal certainty and consumer protection in the Sharia-based digital finance sector. This study adopts a qualitative approach through literature-based document analysis to examine how DSN-MUI fatwas and OJK regulations contribute to developing the Sharia FinTech industry. The research findings indicate that while fatwas offer normative guidance for Sharia compliance, challenges persist in areas such as financial literacy, technological readiness, and regulatory oversight effectiveness. The findings suggest a need for clearer regulations, improved public education, and more effective use of technology to enhance the transparency and efficiency of Sharia financial services. Stronger collaboration between financial regulators and religious institutions can improve the capacity of Sharia FinTech to support financial inclusion and contribute to sustainable growth in the Islamic economy.</dc:description>
	<dc:publisher xml:lang="en">Fakultas Syariah UIN Sultan Aji Muhamamd Idris Samarinda</dc:publisher>
	<dc:date>2025-06-17</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsi.ac.id/index.php/mazahib/article/view/10032</dc:identifier>
	<dc:identifier>10.21093/mj.v24i1.10032</dc:identifier>
	<dc:source xml:lang="en">Mazahib; Vol. 24 No. 1 (2025): VOLUME 24,  ISSUE 1, 2025; 182-197</dc:source>
	<dc:source>2460-6588</dc:source>
	<dc:source>1829-9067</dc:source>
	<dc:source>10.21093/mj.v24i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsi.ac.id/index.php/mazahib/article/view/10032/3307</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Suaidi Suaidi, Zainul Mun'im, Sriyati Dwi Astuti, Ivan Riyadi, Siti Khabibah, Nurul Huda</dc:rights>
</oai_dc:dc>