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Sharia Fintech In The Digital Age: Human Rights in Sharia Fintech Through Criminal Law Safeguards

IJCLS (Indonesian Journal of Criminal Law Studies) · Vol. 8 No. 2 (2023) · pp. 289–314

DOI
10.15294/ijcls.v8i2.36742
ISSN
2548-1576, 2548-1568
Published
2023-11-30
Publisher
Universitas Negeri Semarang
Language
eng
License
creativecommons.org/licenses/by/4.0

Abstract

This research analyses the impact of Sharia fintech development on human rights in the Industrial Revolution 4.0 and Society 5.0. In this digital era, technological developments have brought a significant revolution in the financial sector, including within the scope of sharia finance. This study aims to analyze the impact of the expansion of sharia fintech on human rights in a broader context. This research uses a normative legal method by adopting a statutory, conceptual, comparative and futuristic approach. By using analytical content, this study explores the impact generated by implementing sharia fintech on aspects related to human rights, including financial inclusion, social justice, and economic opportunities. The analysis shows that sharia fintech, operating with Islamic economic principles emphasizing fairness, sustainability, and risk sharing, can contribute to fulfilling and protecting human rights. Along with the benefits offered, such as increasing access to financial services for the public, potential challenges and obstacles are also considered, including data privacy and cyber security issues. The results of this study Research shows that Islamic FinTech in Indonesia has great potential to improve financial inclusion and economic justice, especially for marginalised groups. However, challenges such as limited awareness, immature regulations, and security concerns need to be addressed through supportive regulations, public education, and collaboration with Islamic financial institutions. The importance of balancing technological innovation, sharia ethics, and legal protection is reflected in the implementation of various laws in Indonesia, such as the Criminal Code, ITE Law, and Personal Data Protection Law, to regulate electronic transactions, protect personal data, and prevent financial crimes.

Keywords

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9 authors · 16 co-authorship links

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Zico Junius FernandoAffiliation unknown2
Ariesta Wibisono AndityaAffiliation unknown2
Kiki KristantoAffiliation unknown2
Zico Junius FernandoAffiliation unknown1
Candra IrawanAffiliation unknown1
I Gusti Yesi TriastitiAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/ijcls/oai, first harvested 5 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Sharia Fintech In The Digital Age: Human Rights in Sharia Fintech Through Criminal Law Safeguards</dc:title>
	<dc:creator xml:lang="en">Hartati, Sawitri Yuli</dc:creator>
	<dc:creator xml:lang="en">Kontesa, Emelia</dc:creator>
	<dc:creator xml:lang="en">Baskara, Agri</dc:creator>
	<dc:subject xml:lang="en">Keywords Sharia Fintech, Digital Era, Human Rights, Financial Inclusion, Social Justice</dc:subject>
	<dc:description xml:lang="en">This research analyses the impact of Sharia fintech development on human rights in the Industrial Revolution 4.0 and Society 5.0. In this digital era, technological developments have brought a significant revolution in the financial sector, including within the scope of sharia finance. This study aims to analyze the impact of the expansion of sharia fintech on human rights in a broader context. This research uses a normative legal method by adopting a statutory, conceptual, comparative and futuristic approach. By using analytical content, this study explores the impact generated by implementing sharia fintech on aspects related to human rights, including financial inclusion, social justice, and economic opportunities. The analysis shows that sharia fintech, operating with Islamic economic principles emphasizing fairness, sustainability, and risk sharing, can contribute to fulfilling and protecting human rights. Along with the benefits offered, such as increasing access to financial services for the public, potential challenges and obstacles are also considered, including data privacy and cyber security issues. The results of this study Research shows that Islamic FinTech in Indonesia has great potential to improve financial inclusion and economic justice, especially for marginalised groups. However, challenges such as limited awareness, immature regulations, and security concerns need to be addressed through supportive regulations, public education, and collaboration with Islamic financial institutions. The importance of balancing technological innovation, sharia ethics, and legal protection is reflected in the implementation of various laws in Indonesia, such as the Criminal Code, ITE Law, and Personal Data Protection Law, to regulate electronic transactions, protect personal data, and prevent financial crimes.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2023-11-30</dc:date>
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	<dc:identifier>https://journal.unnes.ac.id/journals/ijcls/article/view/36742</dc:identifier>
	<dc:identifier>10.15294/ijcls.v8i2.36742</dc:identifier>
	<dc:source xml:lang="en">IJCLS (Indonesian Journal of Criminal Law Studies); Vol. 8 No. 2 (2023): Indonesia J. Crim. L. Studies (November, 2023); 289-314</dc:source>
	<dc:source>2548-1576</dc:source>
	<dc:source>2548-1568</dc:source>
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	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/ijcls/article/view/36742/7087</dc:relation>
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