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

Journal

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
Published: 2025-07-29
Publisher: Universitas Negeri Semarang
Language: eng

Abstract

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

Keywords

Collaboration network of the authors

12 authors · 11 co-authorship links

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Co-author	Organisation	Joint articles
Hani Fasatun Hasanah Hasanah	Affiliation unknown	1
Odesduto Simamora	Affiliation unknown	1
Tahta Perjalanan	Affiliation unknown	1
septi indah lestari septi	Affiliation unknown	1
Adinda Intan Cahyani	Affiliation unknown	1
Rahma Alia	Affiliation unknown	1
Fara Diva Arrum Clarisa Putri	Affiliation unknown	1
Tama Amelia Putri Sijabat	Affiliation unknown	1
Ranma ma	Affiliation unknown	1
Marlina Dewi Setiani	Affiliation unknown	1

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/snh/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.

Original metadata (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>
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	<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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