Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital

Agista Hermalia Puteri ; Nabila Syarifah ; Azura Septin Arlina
Jurnal Ekonomi dan Keuangan Islam 📅 2025 Vol 3, No 3 🔗 DOI: 10.61132/santri.v3i3.1654
Abstract
The digitalization of the sharia economy in Indonesia presents a great opportunity to expand financial inclusion, accelerate the transaction process, and improve the efficiency of the economic system based on Islamic values. This study aims to examine the dynamics of opportunities and challenges for the digitalization of the sharia economy amidst the development of the digital economy. Using a qualitative descriptive approach and thematic analysis techniques, this study reveals that innovations such as sharia fintech, halal e-commerce, and sharia digital banking have significantly driven the progress of the sharia economy. However, challenges such as low digital literacy, infrastructure inequality, and weak sharia-specific regulations are still major obstacles. The results of this study emphasize the importance of increasing sharia digital literacy, synergy between stakeholders, strengthening regulations, and developing competent human resources to ensure that the digitalization of the sharia economy remains in line with the principles of maqashid sharia and can develop inclusively and sustainably in Indonesia.
Keywords
Opportunities and challenges; Digitalization; Islamic Economy; Digital Economy; Indonesia
How to Cite

Agista Hermalia Puteri, et al. (2025). Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital. Jurnal Ekonomi dan Keuangan Islam, 3(3). https://doi.org/10.61132/santri.v3i3.1654

Agista Hermalia Puteri; Nabila Syarifah; Azura Septin Arlina, "Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital," Jurnal Ekonomi dan Keuangan Islam, vol. 3, no. 3, 2025.

Agista Hermalia Puteri; Nabila Syarifah; Azura Septin Arlina. "Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital." Jurnal Ekonomi dan Keuangan Islam, vol. 3, no. 3, 2025.

Agista Hermalia Puteri; Nabila Syarifah; Azura Septin Arlina. "Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital." Jurnal Ekonomi dan Keuangan Islam 3, no. 3 (2025).

Agista Hermalia Puteri, et al. (2025) 'Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital', Jurnal Ekonomi dan Keuangan Islam, 3(3). doi: 10.61132/santri.v3i3.1654.

Agista Hermalia Puteri; Nabila Syarifah; Azura Septin Arlina. Peluang & Tantangan Digitalisasi Ekonomi Syariah di Indonesia dalam Era Ekonomi Digital. Jurnal Ekonomi dan Keuangan Islam. 2025;3(3).

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