Integrasi Prinsip Syariah ke dalam Hukum Positif: Tantangan Harmonisasi Regulasi Transaksi Ekonomi Digital di Indonesia
DOI:
https://doi.org/10.53398/alamin.v3i2.784Keywords:
Digital Economy, Positive Law, Sharia Fintech, Regulatory Harmonization, DSN-MUIAbstract
The development of the digital economy in Indonesia has introduced various technology-based financial transaction innovations, such as fintech, e-wallets, peer-to-peer lending, and sharia e-commerce. On the other hand, this transformation requires harmonization between sharia principles and national positive law in order to establish legal certainty, consumer protection, and sharia compliance. This article aims to analyze the integration of sharia principles into digital economic regulations in Indonesia and to identify the challenges of harmonization between sharia fatwas and state regulations. The research method employs a normative approach through literature studies on statutory regulations, DSN-MUI fatwas, and various scientific journals related to the sharia digital economy. The findings indicate that regulatory harmonization still faces several obstacles, including dualism of authority, normative disharmony, technological developments that progress faster than regulations, and weak supervision of sharia compliance in digital platforms. Therefore, regulatory synchronization among the government, the Financial Services Authority (OJK), Bank Indonesia, and DSN-MUI is necessary to create an innovative digital economic system that remains aligned with sharia principles
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