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Fintech dalam Keuangan Islam: Teori dan Praktik

Gelombang revolusi dalam teknologi digital yang terus berkembang dengan pesat telah mengubah wajah dunia. Jika dibandingkan dengan sektor lain, kemajuan teknologi digital ini berjalan lebih gesit dan penuh inovatif. Dari aspek yang sederhana saja, dewasa ini jumlah orang yang memiliki telepon seluler (ponsel) mungkin jauh lebih besar daripada mereka yang memiliki akses terhadap listrik atau air bersih. Difusi gelombang teknologi digital telah merangkak masuk ke semua aspek kehidupan dan ekonomi masyarakat dunia, seperti transportasi, kesehatan, pendidikan, ritel, hotel, dan bahkan keuangan. Dalam sektor keuangan, inovasi teknologi sebenarnya bukan merupakan fenomena baru. Antara teknologi dan keuangan, keduanya memiliki sejarah simbiosis mutualisme yang panjang, sehingga secara inheren teknologi keuangan (financial technology), juga bukan merupakan pengembangan baru bagi industri jasa keuangan. Meskipun demikian, intensitas pembahasan dan kajian tentang keduanya cukup tinggi akhir-akhir ini, terutama karena penetrasi fintech itu sangat cepat. Isu tersebut menjadi perhatian banyak pihak pada berbagai level di Indonesia, baik di kalangan pengambil keputusan, akademisi, dan praktisi bisnis keuangan maupun di tingkat publik (masyarakat) sebagai konsumen atau pengguna fintech. Misalnya seperti isu mata uang kripto (cryptocurrency), bitcoin, blockchain. Meskipun telah muncul banyak perhatikan dari kalangan ekonom secara umum terkait fintech, penulis belum banyak melihat diskursus yang mengaitkannya dengan keuangan Islam. Padahal, kaitannya dengan keuangan Islam (Islamic Finance) menarik untuk dibahas, sebab Indonesia merupakan salah satu pasar ekonomi syariah terbesar di Indonesia (katadata.co.id, 2020). Oleh sebab itu, Book Chapter ini hadir untuk memberikan perspektif baru terkait fintech dari sudut pandang keuangan Islam secara komprehensif dari berbagai kalangan akademisi yang terbagi dalam 18 sub pembahasan yang saling terkait. Tujuannya tentu memberikan edukasi edukasi kepada para umat Islam khususnya, dan bagi pelaku pada pasar ekonomi syariah pada umumnya.

Gelombang revolusi dalam teknologi digital yang terus berkembang dengan pesat telah mengubah wajah dunia.

Beyond Fintech: Technology Applications For The Islamic Economy

Beyond Fintech: Technology Applications for the Islamic Economy is a follow-up to the first-ever Islamic Fintech book by the author (published in 2018) that provided linkages between Islamic Finance and disruptive technologies like the blockchain. In the wake of fintech as a new trend in financial markets, the ground-breaking book stressed the relevance of Islamic finance and its implications, when enabled by fintech, towards the development of the Islamic digital economy. While the earlier work discussed the crucial innovation, structural, and institutional development for financial technologies in Islamic Finance, this new research explores the multiple applications possible in the various sectors of the economy, within and beyond finance, that can be significantly transformed. These revolutionary applications involve the integration of AI, blockchain, data analytics, and Internet-of-Things (IoT) devices for a holistic solution to tackle the bottlenecks and other issues in existing processes of traditional systems. The principles of accountability, duty, justice, and transparency are the foundation of shaping the framework in achieving good governance in all institutions — public or private, Islamic or otherwise. Technologies like AI, blockchain, and IoT devices can operationalize the transparency and accountability that is required to eradicate poverty, distribute wealth, enhance micro-, small- and large-scale initiatives for social and economic development, and thus share prosperity for a moral system that enables a more secure and sustainable economy.

While the earlier work discussed the crucial innovation, structural, and institutional development for financial technologies in Islamic Finance, this new research explores the multiple applications possible in the various sectors of the ...

Impact of Financial Technology (FinTech) on Islamic Finance and Financial Stability

With advancing technologies like distributed ledgers, smart contracts, and digital payment platforms, financial services must be innovative in order to remain relevant in the modern era. The adoption of financial technology affects the whole Islamic financial industry as well as the economic stability of a globalized world. There is a need for research that seeks to understand financial technology and the regulatory technology necessary to ensure financial security and stability. Impact of Financial Technology (FinTech) on Islamic Finance and Financial Stability is an essential publication that examines both the theory and application of newly-available financial services and discusses the impact of FinTech on the Islamic financial service industry. Featuring research on topics such as cryptocurrency, peer-to-peer transferring, and digital wallets, this book is ideally designed for researchers, bank managers, economists, analysts, market professionals, managers, executives, computer scientists, business practitioners, academicians, and students seeking coverage on how the latest in artificial intelligence, machine learning, and blockchain technology will redesign Islamic finance.

Featuring research on topics such as cryptocurrency, peer-to-peer transferring, and digital wallets, this book is ideally designed for researchers, bank managers, economists, analysts, market professionals, managers, executives, computer ...

The Role of Islamic Financial Technology (FinTech) Start-Up in Improving Financial Inclusion in Indonesia Case

Angsur

Nowadays, there is less than 50 % adult population of Indonesia who has access to banking service. This problem is caused by several factors as well as (1) concentrated banking financial services in Java and Bali (2) unequal distribution of infrastructure development in several regions. There are several strategies conducted by the bank to increase financial inclusion in Indonesia in terms of lending. However, most of Bank only accept physical goods as consumer collateral. We need an innovative and novel approach to address this problem. This paper describes analysis and implementation of Islamic Financial Technology (FinTech) Start-up called Angsur. Angsur brings a new innovative product by giving microlending service to undergraduate students who do not have a credit card by buying the product now, paying later. As digitally active users, undergraduate students produce huge amount data on their social media. Angsur uses social media data analysis to determine their credit score based on digital presence. Instead of using interest terms, Angsur adopts murabahah principal by taking profit margin and gives a chance to customers to pay by instalments from 1 until 12 months. In order to redistribute the wealth and decrease social problem, Angsur takes 2.5 % from sales margin for sadaqah which will be distributed to orphan and people who lives in the slum area. Sadaqah is a voluntary charity by giving some money to someone. A questionnaire, interview, and prototype have been developed to test start-up assumption. The test was conducted to see undergraduate students behaviour and product usability. The preliminary research showed that the students are interested in this service because of its simplicity and innovativeness. More than 80 % of users appreciate the presence of the Angsur Student Partners who act as financial literacy agent. Almost 84% early adopters said that they are happy to shop while doing sadaqah. With their innovative characteristic, Islamic FinTech start-up plays an important role in fostering financial inclusion and decreasing social problem in Indonesia by developing a new technology and new business model. Also, the social media data can be used as an option to evaluate borrower profile.

Nowadays, there is less than 50 % adult population of Indonesia who has access to banking service.

Blockchain, Fintech, and Islamic Finance

Building the Future in the New Islamic Digital Economy

While creating new forms (Shari'ah-compliant standards) to operationalize Islamic values and ethics into the current conventional economic system and banking products is crucial to sustain the Islamic economy as it is today, we also need to develop new strategies to cope with the next economic evolution. The digital revolution in financial services is under way, and digital disruption has the potential to shrink the role and relevance of today’s banks, while simultaneously creating better, faster, cheaper services that will be an essential part of everyday life. This forward-looking book discusses the crucial innovation, structural and institutional development for financial technologies (fintech) in Islamic finance. The authors explain concepts in fintech and blockchain technology and follow through with their applications, challenges and evolving nature. The book provides insights into technology which will enable and enhance actual prescribed Islamic behaviors in modern economic transactions. Case studies highlight how to cope with modern transactional behavior with the advent of global online/mobile markets, shorter attention spans, and impersonal trade exchange.

This forward-looking book discusses the crucial innovation, structural and institutional development for financial technologies (fintech) in Islamic finance.

Fintech in Islamic Finance

Theory and Practice

Featuring high-level analysis of Islamic law, this book examines fintech in Islamic finance from both theoretical and empirical perspectives. Whilst building on existing approaches, it also discusses the current application of fintech in promoting financial inclusion through innovative solutions in Muslim-majority countries, identifying future directions for policy-makers. With original chapters written by prominent academics, senior lawyers and practitioners in the global Islamic finance industry, this book serves as the first standalone pioneering reference work on fintech in Islamic finance. It also, for the first time, examines the position of Islamic law on cryptocurrencies, such as bitcoin. Besides the conceptual analysis of the Sharīʿah and legal aspects of fintech in Islamic finance, this book provides relevant case studies showing current and potential developments in the application of fintech in various sectors ranging from crowdfunding and smart contracts, to Online Dispute Resolution, Investment Account Platform and identity verification in the KYC process. Setting the agenda for researchers in the field, Fintech in Islamic Finance will be useful to students and scholars of Islamic finance and financial technology.

Featuring high-level analysis of Islamic law, this book examines fintech in Islamic finance from both theoretical and empirical perspectives.

FINTECH DAN PROSPEK BISNIS KOPERASI SYARIAH

Tidak bisa dipungkiri bahwa saat ini, kemajuan teknologi berkembang sangat pesat. Kemajuan teknologi informasi dan komunikasi membuat segala aktivitas masyarakat menjadi lebih mudah dan tidak terbatas oleh jarak dan waktu. Salah satu teknologi yang berkembang di tengah masyarakat yaitu financial technology atau disingkat fintech. Kehadiran berbagai perusahaan fintech semakin memudahkan masyatakat dalam mengakases berbagai layanan keuangan. Misalnya, dengan adanya fintech masyarakat tidak perlu datang ke kantor lembaga keuangan karena sistemnya online, sehingga dapat menghemat waktu, biaya, dan tenaga. Berbagai kenyamanan dan kemudahan yang ditawarnkan perusahaan fintech semakin menambah antusias masyarakat dalam menggunakan fintech. Hal tersebut dapat menjadi ancaman bagi berbagai lembaga keuangan yang ada di Indonesia, salah satunya yaitu koperasi syariah. Koperasi syariah yang selama ini melekat di tengah masyarakat dan dinilai dapat menjadi alternatif solusi dalam mengentas kemiskinan akan mulai ditinggalkan karena masyarakat banyak yang mulai beralih menggunakan fintech. Hal ini, seharusnya menjadi perhatian yang serius bagi seluruh pelaku koperasi syariah di Indonesia dalam menyikapi adanya kemajuan fintech yang semakin pesat.

Tidak bisa dipungkiri bahwa saat ini, kemajuan teknologi berkembang sangat pesat.