FINTECH SYARIAH BERBASIS ESG: KONSEP DAN IMPLEMENTASI
DOI:
https://doi.org/10.70248/joieaf.v2i1.2692Abstract
Penelitian ini bertujuan untuk mengkaji integrasi prinsip Environmental, Social, and Governance (ESG) dalam praktik fintech Syariah serta mengidentifikasi tantangan implementasinya. Metode penelitian yang digunakan adalah studi literatur dengan pendekatan Systematic Literature Review (SLR) terhadap artikel-artikel ilmiah yang diterbitkan pada periode 2020–2024. Hasil penelitian menunjukkan bahwa integrasi ESG sejalan dengan maqasid al-Syariah, memperkuat keberlanjutan sosial dan ekonomi, serta mendorong inovasi keuangan berbasis teknologi, namun menghadapi kendala berupa literasi ESG yang rendah, regulasi yang belum harmonis, dan keterbatasan infrastruktur digital. Simpulan, bahwa penerapan fintech Syariah berbasis ESG memiliki potensi strategis dalam mendukung inklusi keuangan dan keberlanjutan, namun memerlukan regulasi terpadu, kesiapan teknologi, dan edukasi publik yang lebih intensif.
Kata Kunci: Fintech Syariah, ESG, Keberlanjutan, Regulasi, Maqasid Al-Syariah
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