Analisis Kepatuhan Syariah dalam Sistem Uang Elektronik: Kajian Fatwa dan Regulasi Indonesia

Abstract

This study discusses the development of electronic money and financial technology (fintech) innovations from an Islamic economic perspective as part of the transformation of modern financial systems based on sharia values. Electronic money is seen as an efficient, practical, and secure digital payment instrument that is also in line with Islamic financial principles as long as it complies with valid contract provisions such as wadiah, qardh, wakalah bi al-ujrah, and ijarah. Through these mechanisms, Sharia electronic money not only functions as a medium of exchange but also serves as a means to achieve justice, transparency, and trustworthiness in every transaction. On the other hand, the development of sharia fintech has expanded access to Islamic finance by introducing various innovations, such as sharia electronic wallets, halal QRIS-based payment systems, and digital platforms for managing religious social funds (ZISWAF). These innovations strengthen financial inclusion and increase public literacy on Islamic economics. However, this progress requires collaboration between regulators, industry players, and sharia authorities to ensure that all digital products and services comply with sharia principles. Thus, the integration of fintech and Islamic finance not only serves as a form of financial technology modernization but also as a strategic step towards creating a sustainable, equitable, and community-oriented economic system.