ANALISIS PERAN FINTECH DALAM MEMENUHI KEBUTUHAN PEMBIAYAAN EKONOMI SYARIAH BERBASIS DIGITAL

Abstract

Financial technology (fintech) is a financial innovation that leverages technological advances to improve efficiency, accessibility, and transparency in financial services. This study aims to analyze the role of fintech in meeting the financing needs of the digital-based Islamic economy. Within the context of the Islamic economy, fintech also plays a crucial role in expanding financial inclusion based on Islamic principles, through murabahah, musyarakah, mudharabah, wakalah bil ujrah, and qardh contracts. This study employed a descriptive qualitative method using a literature review approach using various secondary data sources, such as journals, research reports, and scientific references. The results demonstrate that fintech can be an effective alternative financing tool for the public, particularly for MSMEs through peer-to-peer lending. However, its development still faces challenges such as low Islamic financial literacy and  the need for comprehensive regulations. Therefore, collaboration between the government, financial institutions, and the public is needed to strengthen the Sharia fintech ecosystem to support equitable digital economic growth in accordance with Sharia principles.