A SYSTEMATIC LITERATURE STUDY ON THE RECONSTRUCTION OF SHARIA FINANCING RISK MANAGEMENT IN THE FACE OF DIGITAL FINANCIAL DISRUPTION
DOI:
https://doi.org/10.35905/sipakainge.v3i2.14295Keywords:
Risk Management, Islamic Financing, Digital DisruptionAbstract
The development of digital technology has accelerated changes in the financial sector, including in Islamic financing. Digital disruption in finance brings opportunities for innovation as well as new challenges to risk management that is the basis of the Islamic financial system. The purpose of this study is to overhaul the concept of risk management in Islamic financing by considering the dynamics and complexity of the digital ecosystem. Using a qualitative approach through the systematic literature review (SLR) method, this study examines 30 selected scientific articles from 2020 to 2024. The findings of the study indicate that new types of risks such as cyber risk, technology risk, and digital compliance risk have not been fully accepted in the context of current Islamic risk management. Therefore, there is a need for an overhaul of the risk management framework that can adapt to digital disruption and is based on the maqashid of Islamic law. This study recommends combining the principles of Islamic prudence with digital technology, strengthening responsive regulations, and cooperation between Islamic financial institutions and technology providers. The results of this study are expected to provide a conceptual contribution to building a reliable, competitive, and Islamic financing system in the digital era.
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