PENERAPAN PRINSIP-PRINSIP SYARIAH PADA LAYANAN DIGITAL PERBANKAN SERTA HAMBATAN TRANSFORMASI TEKNOLOGI

Abstrak

Penelitian ini mengkaji penerapan prinsip-prinsip syariah dalam layanan digital perbankan syariah serta hambatan yang muncul seiring dengan perkembangan teknologi. Prinsip-prinsip syariah seperti keadilan, kemitraan, transparansi, dan amanah menjadi landasan utama dalam operasional bank syariah, termasuk dalam produk dan layanan berbasis digital. Penelitian ini menggunakan metode penelitian kepustakaan (library research) dengan menganalisis berbagai sumber literatur berupa buku, jurnal ilmiah, dan regulasi terkait. Hasil penelitian menunjukkan bahwa transformasi digital menghadirkan tantangan serius bagi perbankan syariah, antara lain dominasi akad non-bagi hasil, risiko keamanan data dan kejahatan siber, keterbatasan sumber daya manusia, serta rendahnya literasi keuangan syariah masyarakat. Hukum Islam memberikan kontribusi strategis dalam menjawab tantangan tersebut melalui penguatan pengawasan syariah, penerapan akad yang transparan, peneguhan prinsip amanah dalam perlindungan data dan dana nasabah, serta peningkatan edukasi dan literasi syariah. Penelitian ini menegaskan bahwa digitalisasi bukan ancaman bagi perbankan syariah, melainkan peluang untuk memperkuat nilai-nilai syariah apabila didukung oleh inovasi teknologi yang selaras dengan prinsip hukum Islam.

This study examines the implementation of sharia principles in digital services of Islamic banking as well as the challenges that arise alongside technological developments. Sharia principles such as justice, partnership, transparency, and trustworthiness serve as the main foundation for the operations of Islamic banks, including their digital-based products and services. This research employs a library research method by analyzing various literature sources, including books, scholarly journals, and relevant regulations. The findings indicate that digital transformation presents serious challenges for Islamic banking, including the dominance of non–profit-sharing contracts, data security risks and cybercrime, limitations in human resources, and low levels of Islamic financial literacy among the public. Islamic law provides strategic contributions in addressing these challenges through strengthening sharia supervision, implementing transparent contracts, reinforcing the principle of trustworthiness in protecting customer data and funds, and enhancing education and sharia literacy. This study concludes that digitalization is not a threat to Islamic banking, but rather an opportunity to strengthen sharia values when supported by technological innovation that aligns with the principles of Islamic law.