Fidhayanti Dwi, Mohd Noh Mohd Shahid, Ramadhita Ramadhita, Bachri Syabbul
Islamic Economic Law, Universitas Islam Negeri Maulana Malik Ibrahim Malang, Malang, East Java, 65144, Indonesia.
Universiti Malaya, Kuala Lumpur, Malaysia.
F1000Res. 2024 Jun 28;13:21. doi: 10.12688/f1000research.143476.1. eCollection 2024.
The rapid growth of Islamic fintech in Indonesia necessitates a comprehensive examination of the policy and regulatory framework from a legal perspective. This study explores the legal landscape of Islamic fintech in Indonesia, analyzing the current policies and regulations governing this emerging sector. Using normative legal research with a statutory approach and conceptual approach. The primary and secondary legal materials, including government reports and scholarly articles, this research evaluates recent policy developments and regulatory initiatives supporting Islamic fintech. It identifies gaps and areas for improvement, drawing from best practices and regulatory approaches adopted by other countries with successful Islamic fintech ecosystems. Based on the findings, this research proposes recommendations to enhance the policy and regulatory framework. These include collaboration between regulatory bodies and industry stakeholders, tailored licensing frameworks, enhanced consumer protection mechanisms, and promotion of innovation in Shariah-compliant financial products and services. This study contributes to understanding the legal landscape of Islamic fintech in Indonesia, offering a comprehensive analysis of existing policies and regulations. By addressing challenges and proposing solutions, it aims to facilitate the growth of Islamic fintech and foster an inclusive and sustainable financial ecosystem in Indonesia.
印度尼西亚伊斯兰金融科技的快速发展使得有必要从法律角度对政策和监管框架进行全面审视。本研究探讨了印度尼西亚伊斯兰金融科技的法律格局，分析了管理这一新兴领域的现行政策和法规。采用规范法律研究中的成文法方法和概念方法。利用包括政府报告和学术文章在内的主要和次要法律资料，本研究评估了支持伊斯兰金融科技的近期政策发展和监管举措。它借鉴其他拥有成功伊斯兰金融科技生态系统的国家所采用的最佳实践和监管方法，找出差距和改进领域。基于研究结果，本研究提出了加强政策和监管框架的建议。这些建议包括监管机构与行业利益相关者之间的合作、量身定制的许可框架、强化的消费者保护机制，以及促进符合伊斯兰教法的金融产品和服务的创新。本研究有助于了解印度尼西亚伊斯兰金融科技的法律格局，对现有政策和法规进行全面分析。通过应对挑战并提出解决方案，其旨在促进印度尼西亚伊斯兰金融科技的发展，并培育一个包容且可持续的金融生态系统。
