Implementasi Maqashid Syariah dalam Regulasi Fintech Syariah

Analisis Yuridis-Normatif Terhadap Perlindungan Konsumen di Indonesia

Authors

  • Maryani Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • Ahmadi Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • Munawar Zulfikar Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • Sisliandri Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • Muhammad Ridho Saputro Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.30588/jhcj.v6i1.2502

Keywords:

Syariah Fintech, Maqashid Syariah, Consumer Protection, Syariah Compliance, Regulatory Framework

Abstract

The rapid growth of Islamic financial technology (Syariah fintech) in Indonesia presents unique challenges in striking a balance between Sharia compliance and consumer protection mechanisms. Although regulatory frameworks from the OJK and DSN-MUI are in place, significant gaps remain in the implementation of maqashid Syariah principles within fintech operations. This study examines the extent to which Indonesia’s Syariah fintech regulations incorporate maqashid sharia principles for consumer protection, identifies regulatory gaps, and proposes a comprehensive framework for addressing these gaps. Using a juridical-normative approach, the research analyzes primary legal sources, including Law No. 21/2008, OJK Regulation No. 77/2016, and DSN-MUI Fatwas, as well as secondary sources from Scopus- and SINTA-indexed journals. The findings reveal three critical gaps: inadequate operationalization of the maslahah principle in algorithmic decision-making, limited protection against predatory lending practices, and insufficient Syariah-specific complaint mechanisms. Effective consumer protection in Syariah fintech requires regulatory reforms that embed maqashid sharia principles into licensing requirements, operational standards, and dispute resolution mechanisms through a three-tiered regulatory framework.

References

The rapid growth of Islamic financial technology (Syariah fintech) in Indonesia presents unique challenges in striking a balance between Sharia compliance and consumer protection mechanisms. Although regulatory frameworks from the OJK and DSN-MUI are in place, significant gaps remain in the implementation of maqashid Syariah principles within fintech operations. This study examines the extent to which Indonesia’s Syariah fintech regulations incorporate maqashid sharia principles for consumer protection, identifies regulatory gaps, and proposes a comprehensive framework for addressing these gaps. Using a juridical-normative approach, the research analyzes primary legal sources, including Law No. 21/2008, OJK Regulation No. 77/2016, and DSN-MUI Fatwas, as well as secondary sources from Scopus- and SINTA-indexed journals. The findings reveal three critical gaps: inadequate operationalization of the maslahah principle in algorithmic decision-making, limited protection against predatory lending practices, and insufficient Syariah-specific complaint mechanisms. Effective consumer protection in Syariah fintech requires regulatory reforms that embed maqashid sharia principles into licensing requirements, operational standards, and dispute resolution mechanisms through a three-tiered regulatory framework.

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Published

26-05-2026

How to Cite

Maryani, Ahmadi, Zulfikar, M., Sisliandri, & Saputro, M. R. (2026). Implementasi Maqashid Syariah dalam Regulasi Fintech Syariah: Analisis Yuridis-Normatif Terhadap Perlindungan Konsumen di Indonesia. Jurnal Hukum Caraka Justitia, 6(1), 60–73. https://doi.org/10.30588/jhcj.v6i1.2502

Issue

Vol. 6 No. 1 (2026)

Section

Articles

License

Copyright (c) 2026 Maryani, Ahmadi, Munawar Zulfikar, Sisliandri, Muhammad Ridho Saputro

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