Optimalisasi Fintecht Peer to Peer Lending dalam Hukum Ekonomi Syariah Untuk Mewujudkan Maqashid Syariah

Widyasputri, Viesta Tya Amanda; Baidhowi

doi:10.15294/llrq.v11i2.23443

Jurnal

Optimalisasi Fintecht Peer to Peer Lending dalam Hukum Ekonomi Syariah Untuk Mewujudkan Maqashid Syariah

Law Research Review Quarterly · Vol. 11 No. 2 (2025)

DOI: 10.15294/llrq.v11i2.23443
ISSN: 2716-3415
Terbit: 2025-07-29
Penerbit: Universitas Negeri Semarang
Bahasa: eng

Abstrak

Sharia-based Fintech Peer-to-Peer (P2P) Lending is developing as a digital financial innovation that aims to increase financial inclusion in accordance with Islamic principles. This research aims to analyze the regulation of Fintech P2P Lending in sharia economic law, evaluate the implementation of sharia contracts, and assess its contribution in realizing Maqashid Syariah. This research uses a normative juridical method with a literature study approach that refers to regulations, Fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and related literature. The results showed that the regulation of sharia Fintech P2P Lending still needs strengthening, especially in the aspects of legal certainty and supervision. The implementation of sharia contracts such as Murabahah and Musyarakah has been implemented, but still faces challenges of transparency and propriety. Fintech P2P Lending has the potential to support Maqashid Syariah, especially in fair financial distribution and consumer protection. Regulatory optimization and sharia contract innovation are needed so that Fintech P2P Lending can further contribute to the sharia-based financial system

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/snh/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en">Optimalisasi Fintecht Peer to Peer Lending dalam Hukum Ekonomi Syariah Untuk Mewujudkan Maqashid Syariah</dc:title>
	<dc:creator xml:lang="en">Widyasputri, Viesta Tya Amanda</dc:creator>
	<dc:creator xml:lang="en">Baidhowi</dc:creator>
	<dc:subject xml:lang="en">Fintech P2P Lending, Sharia Economic Law, Regulation, Maqashid Syariah</dc:subject>
	<dc:description xml:lang="en">Sharia-based Fintech Peer-to-Peer (P2P) Lending is developing as a digital financial innovation that aims to increase financial inclusion in accordance with Islamic principles. This research aims to analyze the regulation of Fintech P2P Lending in sharia economic law, evaluate the implementation of sharia contracts, and assess its contribution in realizing Maqashid Syariah. This research uses a normative juridical method with a literature study approach that refers to regulations, Fatwas of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and related literature. The results showed that the regulation of sharia Fintech P2P Lending still needs strengthening, especially in the aspects of legal certainty and supervision. The implementation of sharia contracts such as Murabahah and Musyarakah has been implemented, but still faces challenges of transparency and propriety. Fintech P2P Lending has the potential to support Maqashid Syariah, especially in fair financial distribution and consumer protection. Regulatory optimization and sharia contract innovation are needed so that Fintech P2P Lending can further contribute to the sharia-based financial system</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-07-29</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.unnes.ac.id/journals/snh/article/view/23443</dc:identifier>
	<dc:identifier>10.15294/llrq.v11i2.23443</dc:identifier>
	<dc:source xml:lang="en">Law Research Review Quarterly; Vol. 11 No. 2 (2025): Contemporary Issues in Crime and Justice</dc:source>
	<dc:source>2716-3415</dc:source>
	<dc:source>10.15294/llrq.v11i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/snh/article/view/23443/5221</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Law Research Review Quarterly</dc:rights>
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