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Penelitian ini mengkaji tantangan hukum ekonomi syariah dalam merespons perkembangan ekonomi digital yang cepat dan kompleks. Kajian ini berangkat dari kesenjangan antara pendekatan maqashid al-syariah yang cenderung normatif dan kebutuhan kebijakan yang lebih operasional dalam menghadapi layanan keuangan digital, aset digital, dan sistem berbasis algoritma. Penelitian terdahulu umumnya masih menempatkan maqashid al-syariah sebagai landasan etik, namun belum mengembangkan pendekatan aplikatif dalam perumusan kebijakan ekonomi digital yang inklusif. Penelitian ini menggunakan metode kualitatif normatif dengan pendekatan ushul fikih dan kebijakan publik melalui analisis literatur klasik, kajian kontemporer, dan dokumen regulasi. Hasil penelitian menunjukkan bahwa pendekatan berbasis maslahah lebih adaptif dan implementatif dalam merumuskan kebijakan hukum ekonomi syariah yang responsif terhadap perkembangan teknologi. Pendekatan ini menekankan keadilan distributif, perluasan akses ekonomi, dan perlindungan konsumen sebagai dasar kebijakan ekonomi digital yang inklusif dan kontekstual.
Kata kunci: Hukum Ekonomi Islam, Maqashid al-Syariah, Maslahah, Ekonomi Digital
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Hak Cipta (c) 2026 Ifatul Muzarkosah, Mochamad Sumpena

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Cara Mengutip
Referensi
- Abdelnour, M. G. (2025). Artificial Intelligence and the Islamic Theology of Technology : From “ Means ” to “ Meanings ” and from “ Minds ” to “ Hearts .” Religion, 16(6), 1–15. https://doi.org/10.3390/rel16060796
- Ahmad, N., Hanapi, M. S., & Yasin, Y. F. (2025). Maqasid Shariah and Islamic Fintech Research: Trends, Topics and Collaborations. Jurnal Ilmiah Peuradeun. https://doi.org/10.26811/peuradeun.v13i3.1829
- Al-Ghazali, A. H. (1997). al-Mustasfa min Ilm al-Usul (M. S. al-Ashqar (ed.)). Al-Risalah.
- Al-Syatibi, A. I. I. ibn musa ibn M. (1998). Al-Muwafaqat fi Ushul al-Syari’ah (2nd ed.). Dar ibn Affan.
- Auda, J. (2008). Maqasid al-Shariah as Philosophy of Islamic Law. International Institute of Islamic Thought (IIIT).
- Chapra, M. U. (2000). The Future of Economics (An Islamic Perspective). The Islamic Foundation.
- Chapra, M. U. (2008). The Islamic vision of development in the light of Maqasid Al-Shariah. Islamic Research and Training Institute.
- Creswell, J. W. (2014). Reseach Design: Pendekatan, Kualitatif, Kuantitatif, dan Mixed. Pustaka pelajar.
- Dunn, W. (1981). Public Policy Analysis.
- Halim, A., Wahyuni, S., & fajariya Abidin, R. (2025). Bad Debt Restructuring Policy for Micro, Small, and Medium Enterprises in Yogyakarta: An Evaluative Study from the Maṣlaḥah Perspective. Asy-Syir’ah, 59(1), 64–79. https://doi.org/10.14421/ajish.v59i1.1448
- Hasan, N., Abubakar, A., Haddade, H., Kurniati, K., Nurjannah, N., & Sabbar, D. S. (2024). Maslahah Najmuddin Al-Thufi: A Framework for Fintech Benefit Realization in Indonesia. Jurnal Ilmiah Al-Syir’ah, 22(1), 125. https://doi.org/10.30984/jis.v22i1.2100
- Hidayah, N., Haryatih, H., & Solihah, U. (2025). From Normative Authority to Contextual Responsiveness. Samarah : Jurnal Hukum Keluarga Dan Hukum Islam. https://doi.org/10.22373/sjhk.v9.i3.28811
- Ismamudi, I., Alcoriza, G. B., Marzuki, M., & Bani, M. (2023). Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment. International Journal of The Economics of Business. https://doi.org/10.37366/deal.v1i01.3303
- Istiqomah, M. L. (2025). Rekonstruksi Hukum Ekonomi Syariah dalam Perspektif Maqashid Al-Shari’ah. Jurnal Pustaka Cendekia Hukum Dan Ilmu Sosial, 3(1), 1–9. https://doi.org/10.70292/pchukumsosial.v3i1.125
- Krippendorff, K. (2019). Content Analysis: An Introduction to Its Methodology (Fourth Edi). SAGE Publications, Inc. https://doi.org/10.4135/9781071878781
- Kurniawan, M. R. D., & Nisa, F. L. (2024). Analisis Inovasi Dan Implementasi Peran Ekonomi Syariah Dalam Menghadapi Era Digital. Jurnal Ekonomi, Bisnis Dan Manajemen. https://doi.org/10.59024/jise.v2i3.789
- Mpofu, F. Y. (2024). Industry 4.0 in Finance, Digital Financial Services and Digital Financial Inclusion in Developing Countries: Opportunities, Challenges, and Possible Policy Responses. International Journal of Economics and Financial Issues. https://doi.org/10.32479/ijefi.15081
- Priyatno, P. D., Ridwan, A., & Syarif, N. (2026). Circular Economy Philosophy Based on Hifz al-Bi’ah for Economic Justice. Journal of Islamic Economics and Finance Studies, 6(2), 480–497. https://doi.org/10.47700/jiefes.v6i2.12741
- Ramadhan, A. S. A., & Sukti, S. (2025). Sharia Cryptocurrency Regulations and Fatwas: A Maqasid Shariah Analysis Regulasi dan Fatwa Kripto Syariah: Analisis Maqasid Syariah. Journal of Law, Poliitic and Humanities, 6(1), 138–147. https://doi.org/10.38035/jlph.v6i1.2468
- Rane, H. (2023). Higher Objectives (maqāṣid) of Covenants in Islam: A Content Analysis of ‘ahd and mīthāq in the Qurʾān. Religions, 14(4), 514. https://doi.org/10.3390/rel14040514
- Razak, S. H. A. (2020). Zakat and waqf as instrument of Islamic wealth in poverty alleviation and redistribution: Case of Malaysia. International Journal of Sociology and Social Policy, 40(3–4), 249–266. https://doi.org/10.1108/IJSSP-11-2018-0208
- Saputra, A., & Asbi, E. A. (2025). Islam, Big Data, and Digital Ethics: Challenges in Religious Life in the Digital Age. Pharos Journal of Theology, 106.4. https://doi.org/10.46222/pharosjot.106.4022
- Syaripudin, E. I., & Nurhuda, R. (2025). Perspektif Hukum Islam Tentang Implementasi Wakaf Produktif Dalam Pemberdayaan Ekonomi Umat Perspectives of Islamic Law on the Implementation of Productive Waqf in the Economic Empowerment of the Ummah. c.
- Tahir, T., & Hamid, S. (2024). Maqasid Al-Syari’ah Transformation in Law Implementation for Humanity. International Journal Ihya ’Ulum Al-Din, 26(1), 119–131. https://doi.org/10.21580/ihya.26.1.20248
- Whitsel, L. P., Honeycutt, S., Radcliffe, R., Johnson, J., Chase, P. J., & Noyes, P. (2024). Policy implementation and outcome evaluation: establishing a framework and expanding capacity for advocacy organizations to assess the impact of their work in public policy. Health Research Policy and Systems, 22. https://doi.org/10.1186/s12961-024-01110-0
- Yu, M., & Zhao, Y. (2024). Editorial of the Special Issue on FinTech and Digital Finance: Fostering the Synergy of Finance and Technology. Economic Modelling. https://doi.org/10.1016/j.econmod.2024.106721
- Zafar, M. B., Yasin, T., & Ali, H. (2026). Emerging technologies and Islamic finance: a bibliometric review. Journal of Islamic Marketing, 1–20. https://doi.org/10.1108/jima-05-2025-0343
- Zuardi, M., Kholil, A., Amrin, A., & Amelia, I. (2025). Transformation of the Concept of Maslahah in Sustainable Islamic Finance: a Hermeneutic Analysis of al-Ghazali’s Thoughts and ash-Syatibi. Profetika: Jurnal Studi Islam, 26(01), 211–228. https://doi.org/10.23917/profetika.v26i01.9616
Referensi
Abdelnour, M. G. (2025). Artificial Intelligence and the Islamic Theology of Technology : From “ Means ” to “ Meanings ” and from “ Minds ” to “ Hearts .” Religion, 16(6), 1–15. https://doi.org/10.3390/rel16060796
Ahmad, N., Hanapi, M. S., & Yasin, Y. F. (2025). Maqasid Shariah and Islamic Fintech Research: Trends, Topics and Collaborations. Jurnal Ilmiah Peuradeun. https://doi.org/10.26811/peuradeun.v13i3.1829
Al-Ghazali, A. H. (1997). al-Mustasfa min Ilm al-Usul (M. S. al-Ashqar (ed.)). Al-Risalah.
Al-Syatibi, A. I. I. ibn musa ibn M. (1998). Al-Muwafaqat fi Ushul al-Syari’ah (2nd ed.). Dar ibn Affan.
Auda, J. (2008). Maqasid al-Shariah as Philosophy of Islamic Law. International Institute of Islamic Thought (IIIT).
Chapra, M. U. (2000). The Future of Economics (An Islamic Perspective). The Islamic Foundation.
Chapra, M. U. (2008). The Islamic vision of development in the light of Maqasid Al-Shariah. Islamic Research and Training Institute.
Creswell, J. W. (2014). Reseach Design: Pendekatan, Kualitatif, Kuantitatif, dan Mixed. Pustaka pelajar.
Dunn, W. (1981). Public Policy Analysis.
Halim, A., Wahyuni, S., & fajariya Abidin, R. (2025). Bad Debt Restructuring Policy for Micro, Small, and Medium Enterprises in Yogyakarta: An Evaluative Study from the Maṣlaḥah Perspective. Asy-Syir’ah, 59(1), 64–79. https://doi.org/10.14421/ajish.v59i1.1448
Hasan, N., Abubakar, A., Haddade, H., Kurniati, K., Nurjannah, N., & Sabbar, D. S. (2024). Maslahah Najmuddin Al-Thufi: A Framework for Fintech Benefit Realization in Indonesia. Jurnal Ilmiah Al-Syir’ah, 22(1), 125. https://doi.org/10.30984/jis.v22i1.2100
Hidayah, N., Haryatih, H., & Solihah, U. (2025). From Normative Authority to Contextual Responsiveness. Samarah : Jurnal Hukum Keluarga Dan Hukum Islam. https://doi.org/10.22373/sjhk.v9.i3.28811
Ismamudi, I., Alcoriza, G. B., Marzuki, M., & Bani, M. (2023). Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment. International Journal of The Economics of Business. https://doi.org/10.37366/deal.v1i01.3303
Istiqomah, M. L. (2025). Rekonstruksi Hukum Ekonomi Syariah dalam Perspektif Maqashid Al-Shari’ah. Jurnal Pustaka Cendekia Hukum Dan Ilmu Sosial, 3(1), 1–9. https://doi.org/10.70292/pchukumsosial.v3i1.125
Krippendorff, K. (2019). Content Analysis: An Introduction to Its Methodology (Fourth Edi). SAGE Publications, Inc. https://doi.org/10.4135/9781071878781
Kurniawan, M. R. D., & Nisa, F. L. (2024). Analisis Inovasi Dan Implementasi Peran Ekonomi Syariah Dalam Menghadapi Era Digital. Jurnal Ekonomi, Bisnis Dan Manajemen. https://doi.org/10.59024/jise.v2i3.789
Mpofu, F. Y. (2024). Industry 4.0 in Finance, Digital Financial Services and Digital Financial Inclusion in Developing Countries: Opportunities, Challenges, and Possible Policy Responses. International Journal of Economics and Financial Issues. https://doi.org/10.32479/ijefi.15081
Priyatno, P. D., Ridwan, A., & Syarif, N. (2026). Circular Economy Philosophy Based on Hifz al-Bi’ah for Economic Justice. Journal of Islamic Economics and Finance Studies, 6(2), 480–497. https://doi.org/10.47700/jiefes.v6i2.12741
Ramadhan, A. S. A., & Sukti, S. (2025). Sharia Cryptocurrency Regulations and Fatwas: A Maqasid Shariah Analysis Regulasi dan Fatwa Kripto Syariah: Analisis Maqasid Syariah. Journal of Law, Poliitic and Humanities, 6(1), 138–147. https://doi.org/10.38035/jlph.v6i1.2468
Rane, H. (2023). Higher Objectives (maqāṣid) of Covenants in Islam: A Content Analysis of ‘ahd and mīthāq in the Qurʾān. Religions, 14(4), 514. https://doi.org/10.3390/rel14040514
Razak, S. H. A. (2020). Zakat and waqf as instrument of Islamic wealth in poverty alleviation and redistribution: Case of Malaysia. International Journal of Sociology and Social Policy, 40(3–4), 249–266. https://doi.org/10.1108/IJSSP-11-2018-0208
Saputra, A., & Asbi, E. A. (2025). Islam, Big Data, and Digital Ethics: Challenges in Religious Life in the Digital Age. Pharos Journal of Theology, 106.4. https://doi.org/10.46222/pharosjot.106.4022
Syaripudin, E. I., & Nurhuda, R. (2025). Perspektif Hukum Islam Tentang Implementasi Wakaf Produktif Dalam Pemberdayaan Ekonomi Umat Perspectives of Islamic Law on the Implementation of Productive Waqf in the Economic Empowerment of the Ummah. c.
Tahir, T., & Hamid, S. (2024). Maqasid Al-Syari’ah Transformation in Law Implementation for Humanity. International Journal Ihya ’Ulum Al-Din, 26(1), 119–131. https://doi.org/10.21580/ihya.26.1.20248
Whitsel, L. P., Honeycutt, S., Radcliffe, R., Johnson, J., Chase, P. J., & Noyes, P. (2024). Policy implementation and outcome evaluation: establishing a framework and expanding capacity for advocacy organizations to assess the impact of their work in public policy. Health Research Policy and Systems, 22. https://doi.org/10.1186/s12961-024-01110-0
Yu, M., & Zhao, Y. (2024). Editorial of the Special Issue on FinTech and Digital Finance: Fostering the Synergy of Finance and Technology. Economic Modelling. https://doi.org/10.1016/j.econmod.2024.106721
Zafar, M. B., Yasin, T., & Ali, H. (2026). Emerging technologies and Islamic finance: a bibliometric review. Journal of Islamic Marketing, 1–20. https://doi.org/10.1108/jima-05-2025-0343
Zuardi, M., Kholil, A., Amrin, A., & Amelia, I. (2025). Transformation of the Concept of Maslahah in Sustainable Islamic Finance: a Hermeneutic Analysis of al-Ghazali’s Thoughts and ash-Syatibi. Profetika: Jurnal Studi Islam, 26(01), 211–228. https://doi.org/10.23917/profetika.v26i01.9616
