PENERAPAN TEKNOLOGI BLOCKCHAIN DALAM INDUSTRI KEUANGAN SYARIAH : TANTANGAN DAN PELUANG

imam kharits najibulloh; leny rahmalia

doi:10.57210/j-ebi.v3i01.295

PENERAPAN TEKNOLOGI BLOCKCHAIN DALAM INDUSTRI KEUANGAN SYARIAH : TANTANGAN DAN PELUANG

imam kharits najibulloh, leny rahmalia

Sari

Penerapan teknologi blockchain dalam industri keuangan syariah, termasuk tantangan dan peluang yang didapatkan dari implementasinya. Metodologi penelitian melibatkan literatur review dan case study dari berbagai proyek dan pilot project yang menggunakan teknologi blockchain di bidang keuangan syariah. Hasil literatur review menunjukkan bahwa teknologi blockchain mempunyai potensial besar dalam mengatasi tantangan transparansi, kesadaran risiko, dan effisiensi dalam sistem keuangan syariah. Case studies menampilkan contoh projek yang mengintegrasikan teknologi blockchain, seperti platform suku bunga shariah, sistem rincian harga jual (price disclosure system), dan solusi pembayaran digital syariah. Hasil analisis menunjukkan bahwa penerapan teknologi blockchain dalam industri keuangan syariah memiliki potensial untuk mengurangi biaya administrasi, mempermudah transaksi, dan memperluas pasar investasi syariah. Namun, masih ada tantangan yang harus ditindak lanjuti, seperti standardisasi protokol, regulasi, dan keterbatasan teknologi saat ini. Penelitian ini memberikan dasar bagi pengembangan strategi penggunaan teknologi blockchain yang lebih efektif dalam mendukung pertumbuhan industri keuangan syariah.

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Referensi

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DOI: https://doi.org/10.57210/j-ebi.v3i01.295