Abstract
The development and enthusiasm of the community towards the growth of sharia economic practices is very high, especially with the proliferation of the establishment of sharia financial institutions (LKS), one of which is sharia fintech. Sharia fintech is an innovation of sharia-based financial services by utilizing technological advances. In addition to providing offers and schemes that are different from conventional services, it also provides certain limitations on the use of funds provided by investors or lenders. In addition, the development of sharia fintech needs to be supported by the appropriate regulations and infrastructure. With the support for these two aspects, the actors and service users of Islamic financial institutions will have the convenience of meeting the needs of financial access. Access to these financial needs in its development has become increasingly complex and diverse. In this case, the author conducted research using normative juridical methods. This juridical approach is because this research analyzes existing legal aspects, and is normative because this research focuses more on the analysis of existing laws and regulations and other regulations, using secondary data, namely scientific references or other scientific papers as study material that can support the completeness of this scientific work. The phenomenon of disruptive innovation that occurs in the financial services industry such as the emergence of fintech has great potential because it can provide solutions to urgent needs that traditional financial institutions cannot provide. Fintech refers to the use of technology to provide financial solutions. Although it is relatively new, Islamic fintech does not have a significant difference with conventional fintech. Because both types want to provide financial services. The difference between the two is only a financing contract which follows the rules of Islamic law. There are three sharia principles that must be owned by this fintech, namely no maisir (betting), gharar (uncertainty) and usury (the amount of interest past the stipulation
Highlights
Saat ini perkembangan teknologi dan internet sudah sangat pesat, semua sudah dibuat menjadi lebih mudah
Sharia fintech is an innovation of sharia-based financial services by utilizing technological advances
The development of sharia fintech needs to be supported by the appropriate regulations and infrastructure
Summary
Saat ini perkembangan teknologi dan internet sudah sangat pesat, semua sudah dibuat menjadi lebih mudah. Salah satu sektor yang terpengaruh oleh perkembangan teknologi informasi dan komunikasi adalah perbankan dan juga pada sektor jasa keuangan lainnya, sub sektor ekonomi yang memobilisasi dana masyarakat. Munculnya financial teknologi (selanjutnya disebut fintech syariah) berbasis syariah memberikan kemudahan untuk mendapatkan dana yang diinginkan dengan waktu yang singkat dan mudah prosesnya. Regulasi yang mengatur fintech saat ini yaitu Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi yang diterbitkan pada akhir Desember 2016 lalu. Beberapa regulasi yang mengatur fintech saat ini Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi yang diterbitkan pada akhir Desember 2016 dan dihubungkan dengan Selain itu berkenaan dengan fintech syariah, Majelis Ulama Indonesia juga telah mengeluarkan fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No: 116/DSN-MUI/IX/20I7 Tentang Uang Elektronik Syariah yang mana mencantumkan tentang Ketentuan Biaya Layanan Fasilitas[8]. Memberikan pelayanan pelayanan kepada nasabah atau konsumen fintech syariah ini juga harus mengacu kepada Pasal 4 huruf C Undang-Undang No 21 Tahun tahun 2011 tentang Otoritas Jasa Keuangan[10]
Sign-in/Register to view highlights & summary Sign-in/Register to access full text options 
Free) 
Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a call
