Implementation of Fintech in Online Financing in Sharia Banks: The Role of Information Technology and Sharia Principles Compliance

Fitria; Aneta Rakhmawati

doi:10.55927/cjas.v4i1.121

Penulis

Fitria Politeknik Negeri Banjarmasin
Aneta Rakhmawati Politeknik Negeri Banjarmasin

DOI:

https://doi.org/10.55927/cjas.v4i1.121

Kata Kunci:

Fintech, Online Financing, Islamic banking, Sharia Compliance

Abstrak

This study analyzes the implementation of fintech technology in online financing in Islamic banks, focusing on operational efficiency and compliance with sharia principles. Using secondary data from the February 2025 LPBBTI Statistics published by the Financial Services Authority (OJK), this study applies descriptive statistical analysis and trend analysis to assess the impact of fintech on the performance of Islamic banks. The results show that the implementation of fintech improves operational efficiency and expands access to financing services, despite the decline in some financial indicators. Challenges related to sharia compliance were also found, especially in fintech products that potentially involve riba and gharar. This study suggests the importance of a deeper study of sharia fintech regulations in Indonesia, strengthening the role and competence of the Sharia Supervisory Board to ensure sharia compliance in the implementation of fintech in Islamic banks.

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