IMPLEMENTASI MAQASHID SYARIAH DALAM EKOSISTEM EKONOMI DAN KEUANGAN SYARIAH DI INDONESIA: ANALISIS PENCAPAIAN KESEJAHTERAAN SOSIAL DAN EKONOMI BERKELANJUTAN
Abstract
Abstrak:
Penelitian ini bertujuan untuk menganalisis implementasi maqashid syariah dalam ekosistem ekonomi dan keuangan syariah di Indonesia, dengan fokus pada pencapaian kesejahteraan sosial, pemerataan ekonomi, dan keberlanjutan. Maqashid syariah, yang mencakup perlindungan agama, jiwa, akal, keturunan, dan harta, menjadi landasan fundamental dalam setiap aspek ekonomi syariah. Penelitian ini menggunakan pendekatan metode campuran, yaitu kualitatif dan kuantitatif, untuk memahami secara mendalam implementasi Maqashid Syariah dalam ekosistem ekonomi dan keuangan syariah di Indonesia serta dampaknya terhadap kesejahteraan sosial dan ekonomi masyarakat. Hasil penelitian menunjukkan bahwa implementasi maqashid syariah telah terwujud dalam produk dan layanan lembaga keuangan syariah, seperti perbankan, pasar modal, serta lembaga zakat dan wakaf, meskipun masih terdapat beberapa tantangan terkait regulasi dan edukasi. Rekomendasi penelitian ini meliputi penguatan kolaborasi antar lembaga serta penetapan kebijakan yang mendukung optimalisasi maqashid syariah dalam ekosistem keuangan syariah nasional, guna mencapai kesejahteraan yang lebih adil dan berkelanjutan.
Kata Kunci: Maqashid Syariah, Ekonomi Syariah, Keuangan Syariah, Kesejahteraan Sosial
Abstract:
This study aims to analyze the implementation of sharia maqashid in the sharia economic and financial ecosystem in Indonesia, with a focus on achieving social welfare, economic equity, and sustainability. Sharia maqashid, which includes the protection of religion, soul, intellect, descendants, and property, is the fundamental foundation in every aspect of the sharia economy. This study uses a mixed method approach, namely qualitative and quantitative, to deeply understand the implementation of Maqashid Sharia in the Islamic economic and financial ecosystem in Indonesia and its impact on the social and economic welfare of the community. The results of the study show that the implementation of sharia maqashid has been realized in the products and services of Islamic financial institutions, such as banking, capital markets, as well as zakat and waqf institutions, although there are still several challenges related to regulation and education. The recommendations of this study include strengthening collaboration between institutions and establishing policies that support the optimization of sharia maqashid in the national sharia financial ecosystem, to achieve fairer and more sustainable welfare.
Keywords: Maqashid Sharia, Sharia Economics, Sharia Finance, Social Welfare
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