Aturan Bagi Hasil sebagai Faktor Penguat Kepercayaan Trust dalam Fintech Syariah: Kontribusi bagi Ekosistem Ekonomi Halal

Rendi Kurniawan; Sirajul Arifin; Luthfi Akmal Muzakki

Article Details

Aturan Bagi Hasil sebagai Faktor Penguat Kepercayaan Trust dalam Fintech Syariah: Kontribusi bagi Ekosistem Ekonomi Halal

Authors:

Rendi Kurniawan | Sirajul Arifin | Luthfi Akmal Muzakki

Publisher:

Universitas Islam Negeri Sumatera Utara

Main Topics:

Religion | Economics, Econometrics & Finance | Social Sciences

Journal:

Studia Economica: Jurnal Ekonomi Islam Vol.12 Issue mica, pp.0-0

Document Type:

Article

Publication Date:

1/2026

Document Language:

English

Document ID (Org No.):

2001869854

pISSN:

2303-2618

Abstract:

 This study examines the role of profit-sharing regulations (Profit and Loss Sharing/PLS) in strengthening user trust (trust) within Islamic fintech and its contribution to the halal economy ecosystem. Using a qualitative descriptive approach through narrative literature review, this research analyzes regulatory documents, academic publications, official reports from OJK and DSN-MUI, and relevant secondary data. The findings indicate that profit-sharing mechanisms, which fundamentally differ from interest-based systems, foster transparency, fairness, and risk-sharing, thereby enhancing user trust. Unlike previous studies that predominantly focused on fintech adoption, technology aspects, or general market growth, this research highlights the central role of PLS regulations as a strategic factor in building trust, particularly in Sharia Securities Crowdfunding services. This study underscores the importance of standardizing contracts, strengthening regulations, improving accountability, and enhancing Sharia literacy to maintain trust and accelerate the development of the halal economy.

Article Details

Aturan Bagi Hasil sebagai Faktor Penguat Kepercayaan Trust dalam Fintech Syariah: Kontribusi bagi Ekosistem Ekonomi Halal

Authors: Rendi Kurniawan | Sirajul Arifin | Luthfi Akmal Muzakki

Publisher: Universitas Islam Negeri Sumatera Utara

Main Topics: Religion | Economics, Econometrics & Finance | Social Sciences

Journal: Studia Economica: Jurnal Ekonomi Islam Vol.12 Issue mica, pp.0-0

Document Type: Article

Publication Date: 1/2026

Document Language: English

Document ID (Org No.): 2001869854

pISSN: 2303-2618

Issues

Authors:

Rendi Kurniawan | Sirajul Arifin | Luthfi Akmal Muzakki

Publisher:

Universitas Islam Negeri Sumatera Utara

Main Topics:

Religion | Economics, Econometrics & Finance | Social Sciences

Journal:

Studia Economica: Jurnal Ekonomi Islam Vol.12 Issue mica, pp.0-0

Document Type:

Article

Publication Date:

1/2026

Document Language:

English

Document ID (Org No.):

2001869854

pISSN:

2303-2618