INTEGRASI EKONOMI DIGITAL DAN PRINSIP SYARIAH: KAJIAN LITERATUR
Keywords:
Digital Economy; Sharia Principles; Islamic Finance; Fintech; Maqasid al-ShariahAbstract
The rapid advancement of digital technology has fundamentally transformed global economic systems, raising critical questions about the compatibility of digital economic practices with Islamic jurisprudence and Sharia principles. This study aims to examine and analyze the extent to which digital economic mechanisms encompassing digital payment systems, financial technology (fintech), e-commerce platforms, and cryptocurrency can be harmonized with core Sharia principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (speculation), as well as the imperatives of maslahah (public interest) and 'adalah (justice). Employing a systematic literature review methodology, this research synthesizes findings from forty-two peer-reviewed articles and academic texts published between 2020 and 2024. The results reveal that digital economic integration with Sharia principles is feasible, provided that regulatory frameworks are designed with explicit reference to maqasid al-Shariah and supervised by competent sharia advisory bodies. Nonetheless, significant gaps remain in areas of standardization, cross-border digital transactions, and the sharia compliance of decentralized financial instruments.
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