Transformasi Digital dalam Keuangan Syariah: Tinjauan Literatur mengenai Inklusi Keuangan, Literasi Digital, dan Maqasid al-Shari‘ah
Keywords:
Transformasi Digital, Inklusi Keuangan Syariah, Literasi DigitalAbstract
Riset ini mengkaji bagaimana transformasi digital membentuk kembali inklusi keuangan syariah, serta menelaah kontribusi transformasi digital terhadap inklusi keuangan syariah dan bagaimana kontribusi tersebut dapat dievaluasi melalui perspektif maqāṣid al-sharī‘ah—sebuah pertanyaan yang jarang dibahas secara terintegrasi dalam kajian terdahulu, yang cenderung memperlakukan inklusi, literasi, dan maqāṣid secara terpisah. Tinjauan literatur naratif dilakukan terhadap artikel ilmiah yang telah melalui proses telaah sejawat dan laporan lembaga yang diterbitkan terutama antara tahun 2015 dan 2026 yang diperoleh dari Scopus, Google Scholar, DOAJ, dan Garuda, kemudian dianalisis menggunakan metode sintesis tematik. Hasil tinjauan menunjukkan bahwa transformasi digital memperluas akses dan meningkatkan efisiensi, namun manfaatnya bagi inklusi sangat bergantung pada literasi digital dan literasi keuangan syariah pengguna. Selain itu, maqāṣid al-sharī‘ah, khususnya hifẓ al-māl (pemeliharaan harta), hifẓ al-dīn (pemeliharaan agama), dan kesejahteraan sosial—menawarkan lensa normatif yang koheren untuk menilai apakah digitalisasi benar-benar memberikan manfaat bagi umat, atau sekadar memperluas akses teknologi semata. Transformasi digital, literasi digital, dan maqāṣid al-sharī‘ah sebaiknya dipandang sebagai satu agenda kebijakan yang terintegrasi, serta merekomendasikan dilakukannya studi dampak lebih lanjut yang bersifat empiris dan berbasis maqāṣid.
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