Transformasi Crowdfonding Syariah Terhadap Model Pembiayaan dalam Sistem Perbankan Syariah Digital
DOI:
https://doi.org/10.35905/sipakainge.v3i7.14223Keywords:
Crowdfunding Syariah, Perbankan Syariah Digital, Fintech, Pembiayaan Alternatif, Studi LiteraturAbstract
This article is a literature review that aims to explore the transformation of Islamic crowdfunding as an alternative financing model within the digital Islamic banking system. Using a qualitative approach through literature analysis, the study identifies and analyzes various models of Islamic crowdfunding and their integration with financial technology (fintech) in compliance with Sharia principles. The findings suggest that Islamic crowdfunding offers an inclusive and efficient financing solution, particularly for micro, small, and medium enterprises (MSMEs), by providing a transparent, equitable, and interest-free mechanism. Digital transformation presents new opportunities for Islamic financial institutions to adopt crowdfunding platforms as part of innovative financing strategies. The study also highlights the importance of regulation and digital literacy as key supporting factors in developing a sustainable Islamic crowdfunding ecosystem.
References
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Ahmed, H. (2020). Fintech and Islamic finance: Digitalization, development and disruption. ISRA International Journal of Islamic Finance.
Azmi, R. A. (2019). A conceptual model of Islamic crowdfunding: Principles and processes. Journal of Islamic Marketing.
Berakon, I., Aji, H. M., & Hafizi, M. (2021). Cash waqf crowdfunding model for financing social projects. Journal of Islamic Accounting and Business Research.
Basri, H., & Ramadhan, T. (2021). Crowdfunding and zakat integration for social finance. Journal of Islamic Accounting and Business Research.
Farooq, M., & Hasan, A. (2019). Crowdfunding as a financing tool for Islamic banks: A global review. Journal of Islamic Marketing.
Fitri, L., & Hidayat, M. (2020). The readiness of Islamic banks in adopting crowdfunding technology for microfinance. Journal of Islamic Economic Studies.
Hanif, F., & Zuhdi, A. (2022). Regulation of Islamic crowdfunding in Southeast Asia: Challenges and opportunities. Asian Journal of Business Ethics.
Hidayat, S. E. (2019). Regulatory issues in Islamic crowdfunding: Opportunities and challenges. Journal of Islamic Finance.
Jasmin, D., Moeljadi, M., & Subekti, I. (2021). Model pengembangan microfinance wakaf berbasis crowdfunding. Jurnal Ekonomi Syariah.
Khan, M. A., & Hussain, T. (2020). Adoption of Islamic crowdfunding by small businesses in South Asia. International Journal of Islamic Business and Management.
Munawar, S., & Abdullah, L. (2020). Strategies for regulatory support in Islamic crowdfunding. Journal of Islamic Governance.
Oseni, U. A., & Hassan, M. K. (2019). Islamic fintech and crowdfunding: Opportunities and challenges. Journal of Islamic Social Finance.
Rahman, S., & Mustafa, K. (2021). A framework for integrating Islamic crowdfunding with digital banking. Journal of Islamic Financial Technology.
Rini, R., & Pambudi, A. (2020). The role of crowdfunding-wakaf hybrid model for social finance. Journal of Islamic Social Economy.
Suhendi, N., & Kurniawan, D. (2021). Factors influencing business actors' decisions to choose Islamic crowdfunding. Jurnal Ekonomi Islam.
Syafei, A., & Nurdin, M. (2020). Effectiveness of crowdfunding platforms in financing Islamic MSMEs. Jurnal Keuangan Syariah.
Ahmad, N., & Zulkifli, S. (2019). Implementation of hybrid financing model in Malaysian Islamic banking. Journal of Islamic Finance and Banking.
Hanif, F., & Zuhdi, A. (2020). The regulatory landscape of crowdfunding in Southeast Asia. Asian Journal of Islamic Finance.
Fitri, L., & Hidayat, M. (2021). Adoption of crowdfunding technology in Indonesian Islamic banks. Journal of Digital Islamic Economics.
Basri, H., & Ramadhan, T. (2020). Integration of zakat and crowdfunding for productive financing. Journal of Islamic Philanthropy.
Farooq, M., & Hasan, A. (2021). Effectiveness of crowdfunding models in Islamic digital banking. Global Journal of Islamic Economics.
Rahman, S., & Mustafa, K. (2020). Conceptual model of Islamic crowdfunding and digital finance ecosystem. Journal of Islamic Financial Studies.
Akbar, Y., & Maulana, S. (2021). Public perception of security in Islamic crowdfunding platforms. Jurnal Perbankan Syariah.
Saiful, T., & Iskandar, M. (2020). Trends in Islamic crowdfunding research: A literature review. Jurnal Riset Ekonomi Islam.
Nurazizah, A., & Farid, I. (2021). Opportunities and challenges of Islamic crowdfunding in Indonesia. Journal of Sharia Economics.
Syamsuri, M., & Rahayu, S. (2020). Readiness of Islamic digital platforms in adopting crowdfunding models. Jurnal Teknologi Keuangan Islam.
Haroen, N., & Yazid, M. (2020). Legal aspects of Islamic crowdfunding in Indonesia. Jurnal Hukum Ekonomi Islam.
Arifin, H., & Salam, A. (2020). Mapping the integration of Islamic fintech and crowdfunding. Jurnal Keuangan Digital Syariah.
Alam, J., & Rahman, K. (2021). Interest in Islamic crowdfunding among SMEs. Journal of Islamic Entrepreneurship.
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2025-06-23
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