Digitalisasi pembiayaan mikro dan perlindungan harta (Hifdz al-mal): Studi kasus pada BMT NU Kalitidu
DOI:
https://doi.org/10.46963/jam.v9i1.3734Keywords:
Sharia Digitalization, Risk Mitigation, UMKMAbstract
This research is motivated by limited literature on BMT core system digitalization policies in mitigating financing risks and ensuring capital distribution for rural UMKM. This research gap underlines the urgency of analyzing the digitalization of BMT NU Kalitidu from a Maqasid Syariah perspective. The method used is descriptive qualitative through a case study design with primary and secondary data. Results show that adopting PT USID's centralized data architecture substantively enforces the pillar of hifdz al-mal (protection of wealth). Empirical achievements record up to 90% reduction in member complaints via WhatsApp Gateway and 100% financial track record detection accuracy during initial screening through SLIK OJK integration. This digitalization successfully deconstructs sociological nepotism bias into non-discriminatory, data-driven credit scoring to realize distributive justice. Another finding shows digital administration utilization for the naqlul yad contract in the agribusiness sector. Technology is concluded as a vital managerial instrument to actualize Maqasid Syariah values.
Downloads
References
Abadi, M. D., Lailiyah, E. H., & Kartikasari, E. D. (2021). Analisis SWOT fintech syariah dalam menciptakan keuangan inklusif di Indonesia (Studi kasus 3 bank syariah di Lamongan). Jurnal Ekonomi & Ekonomi Syariah, 4(1), 178–187. https://doi.org/10.36778/jesya.v4i1.298
Arif, M., Subli, M., Hikmah, N., & Djanas, S. (2024). Penerapan maqosid syariah dalam pembentukan hukum era digital: Regulasi cryptocurrency. Al-Mustla: Jurnal Ilmu-Ilmu Keislaman dan Kemasyarakatan, 6(2), 298–310. https://doi.org/10.46870/jstain.v6i2
Diana, N., & Thayib, S. (2025). Strategi manajemen risiko kredit dalam pembiayaan UMKM dari bank syariah : Studi kasus Bank Syariah Indonesia Kc Surabaya Jemur Handayani. Jurnal Akademik Ekonomi Dan Manajemena, 2(4), 590–598. https://doi.org/10.61722/jaem.v2i4.7818
Dimas, E., Pratama, R., & Izharun 1, 2, 3. (2024). Tantangan dan strategi penanganan kemiskinan struktural dalam mewujudkan pembangunan sosial inklusif. Journal of Mandalika Social Science, 2(1), 65–71. https://doi.org/10.59613/jomss.v3i1.261
Endrico, D. (2025). The effect of Debt Service Ratio (DSR) on home ownership financing approval. Jurisprudensi: Jurnal Ilmu Syari’ah, Perundang-undangan dan Ekonomi Islam, 17(2), 90–107. https://doi.org/10.32505/jurisprudensi.v17i2.11784
Fatkhullah, I., & Zen, M. (2026). Integrasi maqashid syariah dan SGDs dalam model pembiayaan mikro syariah kontemporer. JSE: Jurnal Sharia Economica, 5(1), 77–94. https://doi.org/10.46773/jse.v4i1
Haifa, N. M., Nabilla, I., Rahmatika, V., Hidayatullah, R., & Harmonedi. (2025). Identifikasi variabel penelitian, jenis sumber data dalam penelitian pendidikan. Dinamika Pembelajaran: Jurnal Pendidikan dan bahasa, 2(2), 256–270. https://doi.org/10.62383/dilan.v2i2.1563
Herman, Z. M., & Ma’sum, H. (2025). Perancangan aplikasi pengelolaan Sistem Layanan Informasi Keuangan ( SLIK ) pada Bank BPR Nusamba Singaparna Berbasis Website. Jurnal Penelitian Inovatif (JUPIN), 5(2), 1773–1786. https://doi.org/10.54082/jupin.1496
Hidayat, W. (2025). Pemberdayaan ekonomi mikro syariah dengan pendekatan fiqh al-aqalliyyat: Integrasi maqasid al-shariah dan keuangan syariah. Islamic Banking & Economic Law Studies (I-BEST), 4(2), 79–88. https://doi.org/10.36769/ibest.v4i2.1339
Islamiyah, N., & Mukhlisoh, I. (2026). Kebutuhan manusia dan sistem pengelolaan harta dalam tinjauan maqasid syariah. Jurnal Ilmiah Nusantara ( JINU), 3(2), 348–364. https://doi.org/10.61722/jinu.v3i2.8661
Mustapha, A. M., & Junoh, N. (2022). Konsep darurah dan kaedah-kaedah fiqhiyyah yang berkaitan dengan darurah. Jurnal Pengajian Islam ISSN:, 15(I), 69–90. https://jpi.uis.edu.my/index.php/jpi/article/view/156
Nuryl, A., P, M. R., R, M. V., Adhyanto, W., & Siswajanthy, F. (2026). Perlindungan hukum terhadap pelaku UMKM dalam perspektif hukum ekonomi. Indonesian Journal of Islamic Jurisprudence,Economic and Legal Theory, 4(1), 762–771. https://doi.org/10.62976/ijijel.v4i1.1683
Putri, N. (2025). Evaluasi kinerja maqasid syariah terhadap operasional bank syariah di era digitalisasi. Jurnal Penelitian, Karya Ilmiah dan Pengembangan (Islamic Science), 3, 186–204. https://doi.org/10.35905/sipakainge.v3i4.14572
Rahmawati, W. (2025). Transformasi sistem informasi terhadap pengelolaan risiko pada bank syariah di era digital. Jurnal Penelitian, Karya Ilmiah dan Pengembangan (Islamic Science), 3, 137–154. https://doi.org/10.35905/sipakainge.v3i1.14575
Ramadhani, R., Rezy, F. A., Herdiyanto, O., & Waluyo, I. G. (2023). Penerapan tata kelola teknologi informasi pada instansi (Systematic literature review). JUTECH: Journal Education and Technology, 4(2), 140–149. https://doi.org/10.31932/jutech.v4i2.3014
Robbani, S., Sari, R. T. O., Hartanti, D., Sari, R. T. O., Solikah, S. F., & Mulyati, D. P. (2025). Inovasi produk halal berbasis ekonomi syariah: Studi kasus pada kuliner CFD Bojonegoro. Center of Economic Student Journal, 8(2), 745–757. https://doi.org/10.56750/csej.v8i2.1161
Sari, R. N., Vitriyah, N. L., Aristhantia, I. T., Silviawati, S., & Pujiati, A. (2025). Analisis peran lembaga keuangan mikro syariah dalam meningkatkan akses layanan keuangan masyarakat. JPSI (Jurnal Perbankan Syariah Indonesia), 4(2), 169–183. https://doi.org/10.57171/jpsi.v4i2.282
Simanjuntak, J. (2023). Penggunaan informasi debitor dari Sistem Layanan Informasi Keuangan Otoritas Jasa Keuangan (SLIK OJK) sebagai alat bukti permohonan PKPU. Jurnal Hukum to-ra, 9(1), 83–94. https://doi.org/10.55809/tora.v9i1.209
Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 tentang Perbankan Syariah. (n.d.).
Utomo, S., & HS, M. H. (2025). Tata kelola biaya transaksi dalam layanan perbankan digital: Analisis kelembagaan dan implikasi administratif. Jurnal Administrasi Publik dan Pembangunan (JPP), 7(2), 127–136. https://ppjp.ulm.ac.id/journals/index.php/jpp/article/view/17553/9210
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Shofa Robbani, Diah Dwi Rizki Putri Qomariyah, Muhammad Khoirul Anam, Reza Agustina, Neli Luluatul Isro’iyah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright on any article is retained by the author(s).
2. The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution shareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
5. The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
2.png)
