DIGITALISASI EKONOMI SYARIAH: MENUJU ERA BARU EKONOMI ISLAM DI INDONESIA

Abstrak

Digitalization has become an unavoidable phenomenon in global economic development, including in the context of sharia economics in Indonesia. This article reviews the impact of digitalization on the transformation of the sharia economy, with a focus on the application of information and communication technology (ICT) in expanding accessibility, increasing operational efficiency, and facilitating innovation in sharia financial products and services. Through literature analysis and case studies, this journal presents an overview of how digitalization can open up new opportunities for the development of an inclusive and sustainable Islamic economy in Indonesia. Apart from that, this journal also identifies the challenges faced in the digitalization process of the sharia economy, including regulatory issues, technology security, and technology adoption by stakeholders. This journal uses a qualitative approach to literature study regarding the digitalization of sharia economics from various economic aspects, both microeconomics and macroeconomics. strategies that can be implemented to encourage further digitalization in the sharia economy in Indonesia include expanding digital infrastructure, increasing digital literacy among the public, collaboration between sharia financial institutions and financial technology (fintech), as well as formulating policies that support innovation and sustainable growth of the sharia economy